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Todd Michael is his name he's a older Caucasian dude brown hair somee facial hair, kinda looks like a suburb grandpa type , but frfr he will do whatever, he don't care if ur a friend family his own kidmom whoever if he can get u he will and he has ripped off numerous people who let him get credit then he never pays , sell u his food stamps then cancel his card , he will make u think everything good like give u his debit then under ur nose he got the number and drain it like that , he definitely will tell too