EXHIBIT 99.6


                             JOINT FILING AGREEMENT

     This JOINT FILING AGREEMENT, dated as of December 20, 2001, by and among
each of the persons named on the signature pages hereto.

     WHEREAS, Ross J. Mangano, Troon & Co., an Indiana general partnership and
BANKONE TRUST COMPANY, N.A., as trustee of Oliver Illinois Trust No.
262-00051-03, BANK ONE TRUST COMPANY, N.A., as trustee of Oliver Illinois Trust
No. 262-00051-01, BANK ONE TRUST COMPANY, N.A., as trustee of Oliver Illinois
Trust No. 262-00051-07, BANK ONE TRUST COMPANY, N.A., as trustee of Oliver
Illinois Trust No. 262-00051-05 (collectively, the "Stockholders"), may be
deemed to beneficially own shares (the "Shares") of common stock of MEGO
Financial Corp., a New York corporation (the "Company"); and

     WHEREAS, the parties hereto constitute a "group" with respect to the
beneficial ownership of the Shares owned by the Shareholders for purposes of
Rule 13d-1 and Schedule 13D promulgated by the Securities and Exchange
Commission (the "Commission").

     NOW, THEREFORE, the parties hereto hereby agree as follows:

     1. The parties hereto shall prepare a statement containing the information
required by Schedule 13D with respect to their respective interests in the
Shares (the "Schedule 13D") and any necessary amendments thereto. Each party
hereto shall be responsible for the completeness and accuracy concerning him,
her or it contained therein, but shall not be responsible for the completeness
and accuracy of the information concerning any other party contained therein,
except to the extent that he, she or it knows or has reason to believe that such
information is inaccurate.

     2. Ross J. Mangano shall be designated as the person authorized to receive
notices and communications with respect to the Schedule 13D and any amendments
thereto.

     3. Each of the undersigned hereby constitutes and appoints Ross J. Mangano
his, her or its true and lawful attorney-in-fact and agent, with full power of
substitution and resubstitution for him, her or it and in his, her or its name,
place and stead, in any and all capacities, to sign the Schedule 13D and any
amendments thereto, and other documents in connection therewith, to be filed
with the Commission, granting unto said attorney-in-fact and agent all power and
authority to do and perform each and every act requisite and necessary to be
done, as fully to all intents and purposes as he, she or it might or could do in
person, hereby ratifying and confirming all that said attorney-in-fact and
agent, or his substitute or substitutes, may lawfully do or cause to be done by
virtue hereof.

     4. This Agreement may be executed in counterparts, each of which taken
together shall constitute one and the same instrument.

                            [signature page attached]



     IN WITNESS WHEREOF, the undersigned have executed this Agreement as of the
date first above written.


                                  /s/ ROSS MANGANO
                                  ----------------------------------------------
                                  Ross J. Mangano



                                  TROON & CO., an Indiana general partnership


                                  By: /s/ ROSS MANGANO
                                     -------------------------------------------
                                  Name:  Ross J. Mangano
                                  Title: Trustee and Partner


                                  BANK ONE TRUST COMPANY, N.A., as trustee of
                                  Oliver Illinois Trust No. No. 262-00051-03

                                  BANK ONE TRUST COMPANY, N.A., as trustee of
                                  Oliver Illinois Trust No. No. 262-00051-01

                                  BANK ONE TRUST COMPANY, N.A., as trustee of
                                  Oliver Illinois Trust No. No. 262-00051-07

                                  BANK ONE TRUST COMPANY, N.A., as trustee of
                                  Oliver Illinois Trust No. No. 262-00051-05


                                  By: /s/ THOMAS ANDERSON
                                     -------------------------------------------
                                  Name:
                                  Title: Trustee