Owners of Charles Gaylord & Co and ART Loan Financial Inc., Anthony Barrreiro and Ray Parker Gaylord, have been charged with allegedly working a “Ponzi” scheme, taking $1.5 million from their investing customers. With locations in San Francisco and Dallas the two men kept up an appearance of a return until filing for bankruptcy in 2011. Barriero and Gaylord are facing 12 counts of conspiracy, mail fraud and wire fraud, each count can land the men 20 years in prison.