AGREEMENT OF JOINT FILING

                                    EXHIBIT L

                            AGREEMENT OF JOINT FILING

         In accordance with Rule 13d-1(k) under the Securities Exchange Act of
1934, as amended, the undersigned hereby agree to the joint filing with all
other persons signatory below of a statement on Schedule 13D or any amendments
thereto, with respect to the common stock of Mego Financial Corp., and that this
Agreement be included as an attachment to such filing.

         This Agreement may be executed in any number of counterparts each of
which shall be deemed to be an original and all of which together shall be
deemed to constitute one and the same Agreement.

         IN WITNESS WHEREOF, the undersigned hereby execute this Agreement on
the 13th day of December, 2001.



                                        /s/ Xxxxxx X. Xxxxxxxxxxx
                                        ---------------------------------
                                        Xxxxxx X. Xxxxxxxxxxx



                                        XXXXXX X. XXXXXXXXXXX FOUNDATION


                                        By:  /s/ Xxxxxx X. Xxxxxxxxxxx
                                             ---------------------------
                                             Name:  Xxxxxx X. Xxxxxxxxxxx
                                             Title: President



                                        RER CORP.


                                        By:  /s/ Xxxxxx X. Xxxxxxxxxxx
                                             ----------------------------
                                             Name:  Xxxxxx X. Xxxxxxxxxxx
                                             Title: President

                                        /s/ Xxxxxx X. Xxxxxxxx
                                        ---------------------------------
                                        Xxxxxx X. Xxxxxxxx








                                     GROWTH REALTY, INC.


                                     By:    /s/ Xxxxxx X. Xxxxxxxx
                                          ------------------------------------
                                          Name:  Xxxxxx X. Xxxxxxxx
                                          Title: President



                                     GROWTH REALTY HOLDINGS L.L.C.


                                     By:  /s/ Xxxxxx X. Xxxxxxxx
                                          ------------------------------------
                                          Name:  Xxxxxx X. Xxxxxxxx
                                          Title: Manager

                                     /s/ Xxxxxx X. Xxxxx
                                     -----------------------------------------
                                     Xxxxxx X. Xxxxx



                                     XXXX AND XXXXXX X. XXXXX FOUNDATION, INC.


                                     By:  /s/ Xxxxxx X. Xxxxx
                                          ------------------------------------
                                              Name:    Xxxxxx X. Xxxxx
                                              Title:   President


                                     /s/ Xxxxxxx X. Xxxxxx
                                     -----------------------------------------
                                     Xxxxxxx X. Xxxxxx


                                     /s/ Xxx X. Xxxxxxxx
                                     -----------------------------------------
                                     Xxx X. Xxxxxxxx