In 1987, my ex husband and I, along with our two children, spent weekends and summers in a one bedroom cottage on my mother’s property in Easton, CT. My grandparents had lived in the cottage when I was growing up. It was fine for them but at this point, both kids were sleeping in the living room. It was time to get a bigger house. So we decided to build one on a piece of adjoining property that Mom gave me.

We hired an architect and spent nine months designing a beautiful but budget friendly house. Unfortunately, our architect was calculating costs based on the prior year’s cost per foot. And costs were apparently rising at a ridiculous rate. When we put the house out to bids from contractors, the bids were twice what we had budgeted. We couldn’t afford to build our dream house anymore!

Only one bid came in low enough that we could just barely stretch to afford it. It came from a general contractor we knew personally. Mac was a well-liked, well-respected member of our tennis club. He had even been president of the club. We knew his friends and family. We asked him why he could put in such a low bid. He said he was just starting in the contracting business and wanted to use our house as a marketing show piece. He’d do it for cost and not expect a profit.

Mac working on the house foundation

We drafted an air tight contract (my ex was a lawyer). We broke ground. We wrote checks. The house was framed out but not enclosed. Winter was coming. We had put in all the money we were contractually obligated to put in. It was up to Mac to put in his share. On paper.

Mac told us he didn’t have the money to finish the house. If we wanted to protect the structure from the coming winter, we would have to pay for everything going forward, above and beyond the contract.

We were between a rock and a hard place. We’d lose our significant investment and our house if we cut our losses and walked away. We were frantic. We ended up selling three of my thirteen acres of land to help finance the now much more expensive house. We also borrowed money from my parents and went deeper into debt. We finished the house but it took forever. I kept paying all the bills I received but contractors either didn’t show up or came but did a shoddy job. We couldn’t understand what was going on.

Me and my kids as house framed out

Until one contractor came to me, toward the end of the process. He complained that Mac had not paid him until he threatened to sue. When he did get a check for $2500, it bounced. Mac had told him that the reason he was stiffing the contractors on their bills was that WE were not paying our bills to Mac. I was shocked. I showed the contractor my canceled checks to Mac, covering everything.

I hired a lawyer. He said that this was the worst case of construction fraud he’d seen in 15 years of practice. Apparently, Mac had just taken most of our money for himself. He was doing the same thing to another family at the same time. When contractors demanded payment, he would use some of my money or the other family’s money to pay them off and get them off his back. He was robbing Peter to pay Paul and visa versa. He was paying the contractors just enough money to get the jobs done – eventually. It took a year and a half to build our house.

My son on the building site

We fired Mac and finished the house without him. His partner told us that he would never work with Mac again. He also told us that the estimate Mac gave us was based on no calculations and no facts. Mac just came up with a number he thought we’d accept.

We couldn’t sue Mac because our lawyer couldn’t find any of our money. Mac was broke. There was no money to recover. No one could figure out what he had done with all the money he took from us, that didn’t go into our house. It came to over $200,000! His wife swore he didn’t spend it on his own house or family.

Years later, his wife discovered that Mac had conned her as well. He was supposed to be contributing his income to the college funds of his three kids. There was no college account. He was also supposed to be filing and paying the family’s tax returns. He not only didn’t pay taxes, for years he never even filed returns. The IRS came after his wife, who worked, and garnished her salary. That’s when she left Mac, taking her three kids with her.

Mac was obviously a sociopath. He screwed a lot of people. The building of my house turned out to be one of the major stress periods and financial drains of my life. I love my house and am still living in it 28 years later. But it is in spite of all the angst we suffered during the building process.

I recently renewed my friendship with Mac’s ex wife. We commiserate together over being taken to the cleaners by Mac. We still have no idea where all the money went. We think it might have gone into a land deal that went south. Mac always had some new money-making scheme in the works. But we’ll never know. They say that building a house is throwing money into a black hole. Well, in our case, it really was a black hole.

Categories: Architecture, Crime and Cops, Economics, Ellin Curley, Uncategorized

Tags: , , , ,

13 replies

  1. Ellin, I’m sure the house contracting business is one of the main rip-off businesses going around. We’ve done numerous renovations throughout the years and the first question the contractor asks is “how much money do you have?” not “this is what it’s going to cost.” I have had a fair bit of recompense by complaining in the local news paper, to the government and I was even interviewed on the CBC radio about a contractor who came to repair our (new) roof by sending a pathetic older gentleman with a ladder and a tar pot. You really have to get on their case and even then you may not get much satisfaction.
    Your home really is beautiful and I’m glad you stuck it out.


    • Leslie, you sound like you are a tough cookie to deal with. You have probably avoided many instances where you would have been taken to the cleaners! Good for you for standing up for yourself and fighting back. I recently spent two years redecorating the house, including the kitchen and two bathrooms. I was very lucky this time – or maybe I was just more careful. I worked with good, honest people who did good jobs and stood by their work when there was a problem. The interior of the house now matches the beauty of the exterior. I’m so happy with it now. I hate to leave the house!

      Liked by 1 person

  2. It was hard to like this, Ellin, but your house is gorgeous. What is shocking is that Mac would do this to friends….imagine what he did to those he did not know. What a horrible lesson learned.

    Liked by 1 person

    • It was sad to hear that Mac had also screwed his own family. When his wife left him, the children were mad at her because they said “It’s only money”. They didn’t get the betrayal and loss of trust that is so critical in marriage. Mac was an equal opportunity embezzler. He would steal or cheat anyone with impunity. He was a true sociopath.


  3. you were lucky, in spite of all the turmoil: you got a really marvelous looking house, and I would kill for those bay windows.
    But what a nightmare that must have been!

    Liked by 1 person

    • It was a traumatic year or so for the whole family. But I have finally paid off the mortgage so it is less expensive on a month to month basis. Now I can just enjoy the beautiful shapes and angles and windows, without worrying about the cost. I write my blogs sitting at the kitchen table in one of those rounded rooms, surrounded by windows. My computer is in another round room with close to 360 degrees of windows. So I’m a happy camper!


  4. So unbelievable when I hear about contractors stealing money like this. Your house is beautiful- I especially like the view from the backyard- those wonderful windows and the rounded shape.


    • Part of the high cost of the house came from all the interesting angles and shapes that I love so much. We should have just redesigned the house and taken out a few of those interesting bits to bring the cost down. But I love the house. Even though the current market value is below the construction costs!

      Liked by 1 person

  5. Getting ripped off on building contacts is becoming downright fashionable. This has happened to SO many people I know, it would be hard to find someone to whom it has NOT happened. At least one woman, the situation is so identical to yours, I’d swear it was the same guy.

    Contractors get away with a lot because we get stuck, unable to finish the job ourselves and too invested to just drop out. There’s almost never a way to get the money back because they either leave town and disappear, or you discover they were secret gamblers or drug addicts or something expensive. But the good thing is you did get a house. Some people didn’t even get a house, just a loss.

    Liked by 1 person

    • We did eventually get a house. But it nearly bankrupted us. We were deep in debt for so many years, with carrying costs off the charts. And that was so frustrating because I spent nine months designing a house with a very specific budget. We calculated every door knob and came in within our budget. Or so we thought. So the architect is also to blame here for not keeping up with the costs of construction. We ended up designing a house that a few years earlier would have come in on budget, but never could in the reality of the current market. On the other hand, if the buidler hadn’t given us his phony low ball estimate, we would have had to redesign the house to the realities of the day instead of plowing ahead thinking we could afford it as drawn.




Talk to me!

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Our Eyes Open

Come along on an adventure with us!

Keep it alive

A look at life, achieving good physical and mental health and happiness

Covert Novelist

Just another WordPress site

The Small Dog

Life from the Tail End

Cee's Chronic Illness Sisterhood

Peer support and hope for women with Chronic Illness and their support team.

Salted Caramel

Blogging, Motivation, Lifestyle and much more.

Sue Vincent's Daily Echo

Echoes of Life, Love and Laughter

Sarah's Attic Of Treasures

Making My Home A Haven is important to me. Sharing homemaking skills. Recipes and food. Bible Studies. This is a treasure chest of goodies. So take a seat. Have a glass of tea and enjoy. You will learn all about who I am.

Green Screen

The Environmental Movie Podcast

bushboys world

Photos of my world and other stuff I hope you will enjoy too. Photos taken with Canon PowershotSX70HS Photos can be purchased.


Independent views from someone who offers some historical context


I use the best, I use the rest

This, That, and The Other

Random musings on life, society, and politics.

My Blog

Just another site

National Day Calendar

Fun, unusual and forgotten designations on our calendar.

Cee's Photo Challenges

Teaching the art of composition for photography.

Trent's World (the Blog)

Random Ramblings and Reviews from Trent P. McDonald

Views from the Edge

To See More Clearly

serial monography: forgottenman's ruminations

wandering discourse, pedantic rant, self-indulgent drivel, languorous polemic, grammarian's bête noire, poesy encroachment approaching bombast, unintended subtext in otherwise intentional context, unorthodox unorthodoxy, self-inflected rodomontade, …

draliman on life

Because sometimes life just makes you stop and think

The English Professor at Large

Posts about old Hollywood, current concerns



The Day After

Musings, Photography, Writing, and More



Chronicles of an Anglo Swiss

Welcome to the Anglo Swiss World


The Fun Side Of Science

A Day In The Life

People, Places, Nature, LIFE!

Curious Steph

explorations on the journey of living

%d bloggers like this: