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There were no guarantees that he’d recover from his second knee operation to earn the $480,000 due him in 2011 or $565,000 in 2012.

McKinley’s agent, Andrew Bondarowicz, told the AP that under NFL players’ association rules he couldn’t get involved with McKinley’s finances and thus could not discuss them.

Bondarowicz did say that McKinley had taken out a $50,000 loan from another, unidentified party, something that a former Broncos teammate, Everette Pedescleaux, had mentioned to investigators.

The sheriff’s report quotes McKinley’s father, Kenneth McKinley, as saying that he and his wife were getting many letters for their son at their home in Mableton, Ga., from casinos in Las Vegas. He said bill collectors also were calling his house asking for his son and that he had spoken with his son about managing his money better.

The elder McKinley said he also suspected his son was having financial problems because he had only recently begun using a credit card that he’d given him in college.

Kenneth McKinley did not return a message left Wednesday by the AP.

Brandstater told investigators that McKinley had a “major gambling problem” and that he told him that he owed $40,000 in Las Vegas. He said the two of them had dinner for 10 straight nights in May trying to “hash out ways to fix it.”

Brandstater told investigators he eventually lent McKinley $65,000 and that he nearly emptied his bank accounts to help out his friend. McKinley was supposed to send Brandstater $7,500 from each paycheck but hadn’t paid back any of the money, Brandstater said.

Brandstater said he trusted McKinley to repay him but that his financial adviser insisted that a contract be drawn up and that a copy be given to the Broncos. Part of the pact included McKinley providing the title to his two vehicles as collateral. He said McKinley also gave him two watches, a Breitling and a Gucci valued together at $30,000, as well as a gold necklace to hold as collateral.

Brandstater said he returned the necklace to McKinley, who sold it for $6,000. Brandstater told investigators he told McKinley to keep that money because he was in such dire financial straits.

Brandstater told investigators that about a week before he lent him the money, McKinley said “that he could save everyone the burden and just kill himself.”

Brandstater told the AP that McKinley quickly assured him he wasn’t serious about committing suicide.

Two women who were baby-sitting McKinley’s toddler son when they discovered he had killed himself each told investigators that McKinley had talked about suicide.

The mother of McKinley’s child, Shayla Lites, told investigators that a family court in South Carolina had ordered McKinley to pay $3,000 a month in child support, a figure that was based on his 2009 earnings. She said he was supposed to provide documents to the court showing his current salary. She said McKinley had been paying her $1,500 a month _ and that she planned to return anything over that amount to him because she knew he had financial problems.

Gaffney, a Broncos receiver, told investigators he sold McKinley a gun in April. Gaffney had bought the gun in 2004 in Houston.

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