The man who was allegedly the most behind a major mortgage fraud scheme that hit the Wildwoods has plead guilty. U.S. Attorney Paul Fishman announced that Timothy D. Ricks, of East Orange, plead guilty to being the mastermind behind the $15 million fraud. Ricks was arrested last July, along with Seth A. Fuscellaro, who was serving at the Lower Township Solicitor at the time of his arrest, among others. Orlando Allen, of Georgia, has also plead guilty. They both face the potential of 30 years in jail.