Company Leadership & History
Form Pools
Stole millions of dollars; filed for bankruptcy
MTN MOD Design
Same leadership; currently operating in Utah
Chip Galloway
Formerly of Form Pools, now with MTN MOD Design
Joe Loy
Formerly of Form Pools, now principal owner of MTN MOD Design
Company Background
MTN MOD Design is a pool design and construction company currently operating in Utah. The company was formed after its management's previous business, Form Pools, filed for bankruptcy.
According to numerous consumer reports, Form Pools left dozens of projects unfinished after collecting substantial payments from clients. Many customers reported financial losses in the tens or hundreds of thousands of dollars.
Social Media Practices: Multiple former clients have reported being blocked on social media platforms after attempting to share their experiences or inquire about unfinished projects. This pattern of behavior appears to be part of a strategy to control the company's public image.
Review Management: Documentation suggests that the company has utilized paid review management services to minimize negative feedback on platforms like Google Reviews. Several former clients have reported that their critical reviews were removed shortly after posting, while positive reviews remained visible.
Critical Warning Signs
- $2,000,000+ In customer losses reported by Form Pools clients before and after the company's bankruptcy filing. (Multiple clients lost over $100k each)
- Same leadership, new name - The Form Pools management quickly started MTN MOD Design after leaving customers with unfinished projects.
- Social media blocking - Former clients who try to share their experiences are systematically blocked from company pages.
- Review manipulation - They pay services to remove negative reviews from platforms like Google Reviews.
- Pattern of behavior - Taking large deposits, delaying projects, ghosting clients, and refusing refunds.
- Legal intimidation - They send cease and desist letters to silence customers who share their negative experiences online.
Abandoned Projects
These photos document actual unfinished projects abandoned by Chip Galloway and Joe Loy. Clients paid tens or hundreds of thousands of dollars for these projects, only to be left with dangerous excavations, incomplete structures, and costly repairs.
Form Pools began my pool/backyard project back in April 2021. They abandoned the project and went out of business in July 2023. I currently have been left with an unfinished pool, no pool equipment, a pavilion building that won't pass rough framing inspection, and a loss of thousands of dollars. The review requires a project completion date but the project was never completed.
Kevin R.
Form Pools and Spas, Chip Galloway, Stole over $200,000 from our Family. We paid $147K downpayment for our landscaping and $25K for our small pool mid February 2022. We paid every penny of the pool invoices totalling $50K. We paid $27K for plaster that was straight up stolen.
Sundance C., Lindon UT
Form Pools/Utah Landscaping LLC. Do your research before doing business with either of these companies. Google will be your best friend in finding out what a disaster Chip & his crew is to work with.
roseg0424
Consumer Experiences
Below are verified reviews from clients who worked with Joe and Chip of MTN MOD Design during their time at Form Pools. These reviews have been collected from public platforms including Yelp, Houzz, and BBB. Many clients have reported that their negative reviews were systematically removed from Google, while others found themselves unable to post on the company's social media after being blocked.
"I was informed by Chip Galloway that his company - Form Pools LLC - would be abandoning my pool and spa project, despite paying all milestone payments on time and in full on my project. The Utah Division of Professional Licensing commenced action to revoke Form's license to operate today (4 January 2023) due to THREE reports of job abandonment in recent weeks."
Adam E. - January 2023
"I understand Form Pools and Spas is filing bankruptcy. However, my review is for the next person who decides to do business with the next company that Chip Galloway opens. We started a pool contract with him in 2021. As mentioned from Adam in the previous review. Chip also called us and stating he was going to abandon our project because the profit was not there."
M G. - July 2023
"This is a terrible company!! They currently owe us $46,000 and have avoided our calls for 4 months. the work they did on our Gunite has to be redone because of cracking and crumbling. I currently have a big cement hole and a dead yard with huge weeds because the yard is totally torn up and destroyed since September"
Natalie C. - August 2023
"NEVER use any business associated with Chip Galloway. Make sure you pull all lawsuits and fraud reports prior to commencing any business. Mr. Galloway specifically told me that he used my money to fund other projects and that he would be upset if he were in my position. Well the court ruled in my favor and I am owed significant money. Unfortunately the ruling on this scam is not the end, as now Mr. Galloway thinks he can outsmart myself and the the legal system. Let the many criminal charges of multiple individuals begin."
jacobrarnold - August 2023
"Do not under any circumstances use this company. Very poor workmanship. Lots of bad reviews on bbb. We spent 180k and they never finished."
Matt S. - September 2022
"We had been working with Chip Galloway since December 2022. When we were ready, we paid for our swim spa in full in April of 2023. We were told by Stephanie that it was ordered April 14. Originally she told us it would be 6-8 weeks, then 8-10 weeks, and after we signed our contract and paid we were told 10-12 weeks. ... I have never worked with a more dishonest company. They basically took our money and ran. We will definitely do more research in the future and will not ever do business with a company associated with Chip Galloway or Stephanie."
HU-142648491 - July 2023
"Form Pools and Spas is the worst company my husband and I have ever dealt with. They owe us well over $100,000 but have shown no intention to repay us. They basically strung my husband and I along for over 18 months, took over $100,000 of our money and didnt provide their goods and services. They had always been terrible at communicating, usually taking weeks to get back to us, but when all communication stopped in June 2023, after more broken promises, we got our legal team involved. After ignoring our legal teams requests, our team finally received an email which stated: Form is no longer in business. Have a nice day. The snarky response to have a nice day after knowingly taking and keeping our $100,000 + showed no remorse whatsoever."
Christine H. - August 2023
"Form Pools is now out of business after abandoning multiple jobs and ripping off several customers including myself. Be advised that the same people that ran Form Pools are now operating as MTN MOD LLC under a different contractors license. MTN MOD LLC's website shows projects that were previously shown as Form Pools and their Houzz.com posting shows a glowing review for a completed project that wouldn't be possible since the contractor license is only current as of 08/01/23 and the company just started this Summer."
Kevin R. - August 2023
"Form pools stole over $200,000 from our family. They damaged a $120,000 engineered wall and left our home with dug up pits and mounds of rocks and dirt. This is the fourth bankruptcy for Chip the *****. ... Stay away from Chip or Joe, they are dishonest to the core. Hopefully, someone reading my review will be spared the same pain we went through."
Tyler C. - August 2023
"We signed a contract to build a pool and re-landscape our backyard in Sept 2021. They demolished our yard in April 2022. They dug the pool and had the gunnite completed by July 2022. Then we were left with no sprinkler system and piles of debris and dirt. In Feb 2023, they told us if we upgraded to pavers instead of concrete for our hardscape they could get the work done in 3 days. They deposited the pallets of pavers, cleared the snow into the pool and then it snowed 15" and we didn't see them again until May. In May they did some retaining walls before disappearing again. Finally in June we took the landscaping over and got the project completed on 28 July 2023. [Joe] Loy the only project manager left at Form Pools, told us they may go out of business but they were hopeful that they would be able to honor the contract when they opened their new company. As of today, July 31, 2023, we have discovered that all phone numbers for Form Pools are disconnected, the showroom is empty with a "we are closed" sign on the door and no one has been able to contact them. We have paid them for upgraded plaster, stone facing, and a salt water system which they have obviously not delivered. As per a discussion with [Joe] Loy in June 2023, he and Chip Galloway are opening a new smaller pool company which may be called Mountain Modern Pool or Design.
July 2023
Legal Attempts to Silence Consumer Information
MTN MOD Design's Legal Response
On April 3, 2025, this consumer information resource received the following cease and desist letter from Jeffery Balls and the legal team representing Joe Loy and MTN MOD Design. We are publishing it here in the interest of transparency and to demonstrate the lengths to which some businesses will go to suppress factual consumer information.
Click on images below to view full-size documents
Cease and desist letter from Jeffery A. Balls, Parr Brown Gee & Loveless, April 3, 2025
Also, let's note Mr. Balls' misspelling of the word principals in the cease and desist letter.
Our Response
This website contains factual information based on documented customer experiences. The reviews and information presented here reflect real consumers' experiences with Form Pools and its leadership. While Joe Loy may not have technically been a principal owner of Form Pools, public records show that:
- Chip Galloway, part of the management team at Form Pools along with Joe Loy, filed for Chapter 7 bankruptcy in 2010
- Following that bankruptcy filing, Melissa Galloway (Chip's wife) appears as the registered agent and principal on multiple related businesses that have been administratively dissolved, including Form
- The same address and contact information is used across these different business entities
- Former clients have confirmed working directly with both Chip Galloway and Joe Loy at Form Pools
- Form Pools/Form Outdoors indeed filed for bankruptcy in the state of Utah in 2023
- The pattern of dissolving companies and forming new ones with different named principals but the same operational leadership is well-documented
- Mtn Mod's website showcases projects that were finished while doing business as Form Pools, further directly linking Mtn Mod with the now-bankrupt entity.
As per a discussion with Joe Loy in June 2023, he and Chip Galloway are opening a new smaller pool company which may be called Mountain Modern Pool or Design."
"The U.S. legal system strongly protects consumers' right to share truthful information about their experiences:
- First Amendment Protection: Consumer speech is protected by the First Amendment. See Bose Corp. v. Consumers Union, 466 U.S. 485 (1984).
- Truth as an Absolute Defense: Truth is an absolute defense to defamation claims under Utah law. See Jacob v. Bezzant, 212 P.3d 535, 544 (Utah 2009).
- Consumer Review Fairness Act: Federal law protects consumers' ability to share honest reviews about businesses. 15 U.S.C. § 45b.
- Public Interest Protection: Information shared for consumer protection purposes is given higher protection. See New York Times Co. v. Sullivan, 376 U.S. 254 (1964).
The publication of this cease and desist letter further demonstrates the approach taken by these businesses when consumers share their experiences. Rather than addressing the substantive complaints of the many customers who have lost money, they attempt to silence those who speak out.
Frequently Asked Questions About MTN MOD's Legal Claims
Is MTN MOD Design connected to Form Pools?
+Yes. Public records and customer experiences clearly demonstrate the connection. While MTN MOD Design may be registered as a separate legal entity, it shares the same operational leadership with Form Pools. Joe Loy and Chip Galloway were both involved in Form Pools, and now they operate MTN MOD Design. The company showcases the same projects on their website that were previously attributed to Form Pools, and Joe Loy is listed as the principal of MTN MOD, directly tying the two companies together.
Did Joe Loy work with Form Pools?
+Yes. Multiple customers who had projects with Form Pools have confirmed working directly with Joe Loy. Customer reviews and testimonials frequently mention both Chip Galloway and Joe Loy by name. Additionally, Joe Loy's own professional profiles and marketing materials previously highlighted his role with Form Pools before the company was dissolved.
Why does MTN MOD's letter claim we're making false statements?
+The cease and desist letter attempts to create technical distinctions between legal entities while ignoring the practical reality that the same individuals operated both businesses. This is a common tactic used to distance a new business from the reputation of a previous one. However, consumer protection laws focus on the substantive reality of business operations, not just legal technicalities.
Note that their own attorney couldn't even spell "principals" correctly in their legal letter, referring to "principles" instead, showcasing their extreme thoroughness and professionalism.
Why would a company send a cease and desist letter instead of addressing customer complaints?
+Companies that prioritize reputation management over customer satisfaction often resort to legal intimidation when facing negative reviews. Rather than addressing the substantive issues raised by customers (abandoned projects, missing funds, etc.), they attempt to silence critics through legal threats. This approach is typically more cost-effective for them than remedying the underlying problems, but it doesn't serve consumer interests.
Are these public reviews protected by law?
+Yes. Truthful consumer reviews are protected by both the First Amendment and specific federal legislation like the Consumer Review Fairness Act (15 U.S.C. § 45b). Court precedents including Bose Corp. v. Consumers Union and Jacob v. Bezzant establish strong protections for consumer speech, especially when it serves the public interest by warning about potentially harmful business practices.
Pattern of Business Entity Changes
Public records show a concerning pattern of business formation and dissolution:
C&C Landscapes, Inc.
Formed in 2002, administratively dissolved
Principal: Chip Galloway
Form Landscapes, LLC
Formed in 2010, administratively dissolved in 2023
Principal: Melissa Galloway
MLG Consulting, LLC
Formed in 2010, administratively dissolved in 2015
Principal: Melissa Galloway
Form Outdoor Living, LLC
Formed in 2021, administratively dissolved in 2023
Principal: Melissa Galloway
Utah Landscaping (DBA)
Formed in 2022, currently active
Registered Agent: Form Landscapes, LLC
MTN MOD L.L.C
Formed June 12, 2023, currently active
Principal: Joseph Loy
This pattern of creating new business entities while dissolving previous ones is commonly associated with attempts to escape liability and negative reviews from prior business operations.
Current Contact Information
Below is the current contact information for MTN MOD Design and its leadership. This information is provided to help potential customers verify identities and avoid being misled by any similar business names.
Company Information
- Phone: (801) 960-3435
- Website: mtnmoddesign.com
- Instagram: @mtnmoddesign
- Facebook: MTNMODDESIGN
Chip Galloway
- LinkedIn: linkedin.com/in/chipgalloway
- Instagram: @chipgalloway
Joe Loy
- LinkedIn: linkedin.com/in/joseph-loy
- Instagram: @the_joe_loy
Protect Yourself
Before hiring any contractor for major home improvement projects, we recommend thorough research including checking references, verifying licenses, and reviewing the company's history.
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Cities Served
- Salt Lake City, UT
- Park City, UT
- Draper, UT
- Herriman, UT
- Lindon, UT
- Holladay, UT
- Sandy, UT
- Lehi, UT