He would kite checks, overbill customers and overdraw his checking account. He would do whatever it took to stay afloat. His age and his personal charm allowed him to get away with a lot of things. What actually made him believable was his verbal ability. Minkow was a smart kid and he realized from early on the benefits of an extensive social network of friends and acquaintances...
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For example, he became friends with Tom Padgett, an insurance claims adjuster, for his own benefits. He promised to pay Tom $100 per week if he would simply confirm over the telephone to banks and any other interested third parties that ZZZZ Best was the recipient of occasional insurance restoration contracts which included minor remodeling work on properties damaged by fire, storms or other catastrophes...
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