PAGE   11                                                              
August 17, 1990

SECTION: Vol 4; No 31; Sec 1; pg 8

LENGTH: 577 words

HEADLINE: South Side Doctor Sues Home Advantage Over Investment

BYLINE: Donna Tuttle

DATELINE: San Antonio; TX; US

 BODY:    San Antonio South Side physician Jose Gamboa is taking the son 
of a local real estate developer to court over an investment deal 
allegedly gone sour.

   In a lawsuit filed in Bexar County District Court on June 28, Gamboa 
contends that principals in local construction and financing company, 
Home Advantage Inc., failed to pay Gamboa for his investment in the 
company.

   Gamboa was granted a temporary restraining order on Aug. 8 by Judge 
Michael Curry in Bexar County District Court. The restraining order 
prevents Home Advantage and its president, Kenneth Saks, from taking any 
action that would dilute Gamboa's interest in the corporation and from 
using any of Home Advantage's assets to pay personal expenses.

   Kenneth Saks said he and the other principals of Home Advantage 
"wholly deny the allegations" in Gamboa's lawsuit and plan to 
counterclaim in a temporary injunction hearing next week.

   "His (Gamboa's) allegations are completely unfounded," Saks said.

   Saks is a lawyer and the son of local real estate developer  David 
Saks.  The elder Saks and his partner, Doyle Spruill, are general 
partners in a handful of commercial real estate deals in  Texas  that 
filed voluntary bankruptcy petitions between 1985 and 1990.

   The temporary restraining order also prohibits Saks from transferring 
any assets of Home Advantage to his father or to any of his father's 
business interests, which include Omni Interests, S.A. Phoenix, Express 
Cash International Inc., J.B. Sanchez and Dreycup Inc., among others.

   Gamboa's lawsuit states that the principals in Home Advantage have 
claimed that Gamboa "has no interest in Home Advantage," but Gamboa 
alleges that in April 1988 he purchased a participation interest in loans 
originated by Home Advantage.

   Income made from those particular loans were to be held in trust for 
Gamboa and the corporation, the suit contends.



                                                                       
PAGE   12               San Antonio Business Journal  1990 UMI/Data 
Courier               

   Two months later in June 1988, Gamboa agreed to purchase 50 percent of 
the outstanding unissued stock of Home Advantage, making him a 50 percent 
owner, Kenneth Saks a 40 percent partner and Kenneth's brother Carl Saks 
a 10 percent owner, the lawsuit alleges.

   John Carroll, Gamboa's attorney, said his client invested small 
amounts as needed into Home Advantage, eventually injecting more than $ 
100,000 into the deal. Carroll is a lawyer with the Law Offices of Jack 
Paul Leon in San Antonio.

   About one year later in March 1989, Gamboa's son, Carl, worked out a 
liquidation agreement with the principals of Home Advantage, the lawsuit 
alleges, but Gamboa has yet to see his money.

   The alleged liquidation agreement between the principals called for an 
accounting of company assets and income. Based on the results of that 
accounting, Gamboa claims he was to receive 35 percent of earnings on 
notes, 50 percent of earnings on contracts, and the original money he 
invested in the deal, the lawsuit alleges.

   To date, Gamboa has seen neither any documentation of accounting nor 
any money from the deal, the suit contends.

   In addition, Gamboa claims that the principals of Home Advantage were 
aware of "valuable opportunities," including alleged work building and 
remodeling some of the Express Cash International pawnshops. Those 
opportunities could have increased the value of investments in the 
company, the suit alleges, but Saks failed to disclose that to Gamboa at 
the time of his stock liquidation.

   A hearing for a temporary injunction is set for Aug. 22 in Bexar 
County District Court.

SUBJECT: Construction companies; Litigation; Investments; Physicians; 
Southwest

NAME: Jose Gamboa

GEOGRAPHIC: Southwest Region; San Antonio; TX; US

COMPANY: Home Advantage Inc; SIC: 1500