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IN RE ALUM

744 A.2d 172 (2000)

In the Matter of Luis A. ALUM, an Attorney at Law.

Supreme Court of New Jersey.

Decided January 28, 2000.

Attorney(s) appearing for the Case

Nitza I. Blasini, Deputy Ethics Counsel, on behalf of the Office of Attorney Ethics.

Raymond Barto, Hackensack, for respondent (Kaps & Barto, attorneys).

PER CURIAM.

This matter arises from a decision of the Disciplinary Review Board (DRB) concluding that respondent should receive a reprimand for his participation in a series of real estate transactions involving "silent seconds" or fictitious credits. The phrase "silent seconds" denotes that the borrower has obtained secondary financing to close a real estate transaction without disclosing to the first mortgage holder the need for such financing. Fictitious credits...

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