Hey callie thanks for the Info, this is a very serious issue and people like you need to shine a light on these SICK companies.

I WILL SPREAD THE WORD!!!!

Thanks callie for the info, people should be aware of this and I will spread the word !!!!

Callie,

 

Just yesterday I referred the son of a client to a loan modification specialist.  He was quoted a total fee of $2500, of which $800 was to be upfront and nonrefundable.  There also was no mention of a "money back guarantee".

 

Is your "money back guarantee" in writing?  And if so, could you post a link to it or send it to me via email?

 

Thank you,

 

Brian

Sojourner47@comcast.net

Hi Everyone, I totally fell for it too, i'm so embarrassed and I feel so stupid. I paid FLM $2000 upfront and lost 3 months before I realized nothing had been done. Please be careful with who you give money to before they give you any product. Thank god i found this website because a HUD counselor from Hope Now gave it to me: loanfraudrecovery.org   I got my money back finally with their help. It may be useful to other people, just putting it out there for anyone scammed like me. :(

I work for a home loan servicer.  Never pay to get a modification because it can be done by yourself for FREE.  Yes, you may have to be on the phone and visit a fax machine, but the way the investors look at it, that money you spend could be keeping your loan current... and then you are denied.

Can anyone tell me if Federal Home Loan Relief is a legit company?

We invested in SAVEMYHOMEUSA because of all the positive things we've heard from family, and because of the BBB rating it had.  They boast a 100% money back guarantee but alas, WE WERE SCAMMED anyway. 

We met 100% of their requirements.  They did "negotiate" with our lender but we were denied an adjustment because 'after all the bills are paid for the month there is an access of $15.47'.  Heaven forbid a car breakdown or our sump pump go out!!!

So according to savemyhomeusa we were supposed to get a check for a FULL refund.  We FINALLY got a check after threatening them with a lawsuit.  WE DID NOT GET A FULL REFUND like they said we would.  We paid $1,995 for the program and only got $1,390 of it back.   They scammed us $606.95. 

Hey Jenny

I got scammed by SavemyhomeUSA also.  Same thing; I paid them a fee, waited months for a "modification" which resulted in the same interest rate, same loan types, with just thousands added to the prinicple and the payment being 500 a month higher.  Seriously?  And, I was told that "is a great deal".  What deal, I can go out into any street and hand over hundreds of dollars to someone without having to put it in writing if I want to just give my money away.

Also, the refund?  Well at least your check cashed.  I received mine and went to their bank to cash it; non-sufficient funds.  What a shady company SavemyhomeUSA is.  It is a felony, called check fraud to write a check on NSF.  If they cover the check, great they're still a scam company (hence the request for refund).  If they do not, I will be contacting district attorney, my attorney, and the attorney general. 

By the way, I will be losing my home.  I was told by one of the representatives to "stop paying your mortgage payment".  Of course they tell you that they would never tell you that.  Why wouldn't they want you to stop?  It makes it easier for them to keep you hanging on, and in the end, they will give your information to another scam company that comes in like a buzzard looking for dead meat.  Check out this website:  http://www.motivatedsellermagnet.net/million_dollar_idea.html  This website says they get most of their leads from SavemyhomeUSA. 

Has anyone ever heard anything negitive about Homeowners Relief Group, Inc. They are located in San Juan Capistrano, Ca. They have a real office location. Are Attorney based. I can't fine anything about them on BBB. I also googled them and nothing negitive came up only their website. They do charge an up front fee. Their cost for a loan modification is $2495 and require 60% up front to start the negotiations.

Genny  

How about Loan Repair and Rescue? I am just curious if they are real this is the website : http://loanrepairandrescue.com they also require up front payment but no money back guarantee any related information is much appreciated. Ray S.

Stormy, Thats a great story stormy . Anyone can come on here and blast a certain company. But you should make sense of it if thats what you are going to do. If they got you a modification that was worse for you and you signed it thats your fault. At that time you should have asked for a refund. then you go on to say that you did get a refund but the check was bad. Seems like even if they pay you your still not going to be happy. You said if they pay the check great but they are still a scam company hence the refund. So because they agreed as part of the contract to give you a refund if they couldnt help you and they actually hold true to that, they are a scam. Wow.....Im betting that the nsf check was a mistake and that you were taken care of by now. And I hope you were, if your story was true. Jen, Maybe you should have read the contract. If save my home usa, offered a money back guarantee, and you got 3/4th's of your money back then they held up their side of the contract. Are you sure it didnt say that in the contract....???? But in your mind im sure they are suppose to work on your file for free. By the way Ive used save my home usa, and they helped me keep my house. They stopped my sheriff sale with a weeks notice, lowered my principal and interest rate, and Im now in a mortgage I can afford for life. I have no complaints

I think that your blog is great. I unfortunately came across it too late. I HAVE BEEN SCAMMED BY SAVEMYHOMEUSA for $3100.00  It has been a complete and total nightmare. I fell for their "money back guarantee" and I never recieved a penny back. Instead I seem to only get voicemails and nobody ever calls me back. Instead one of their employees sent a fax to my employer tellinh him that I call too much during the times I am on the clock. SO NOT ONLY AM I LOOSING MY HOUSE, NOT ONLY HAVE I BEEN BURNED BY SAVEMYHOMEUSA, BUT I MAY ALSO LOOSE MY JOB..... I plan on continuing to write the mortgage loan division, atty general and whoever it takes to make sure that this never happens to a struggling family again... SHAME ON YOU SAVEMYHOMEUSA

I WOULD LIKE TO KNOW IF ANYONE HAS USED INTEGRITY HOME SAVERS.... AFTER A FEW PAYMENTS AND MULTIPLE UNANSWERED PHONE CALLS, I HAVE COME TO THE REALIZATION THAT I HAD BEEN TAKEN.  IT LOOKS LIKE THEY JUST UP AND DISAPPERAED

Has anyone heard of Loss Mitigation Group, Inc, a loan modification division of Blue Capital Law Firm, P. C.?  They allegedly are based out of San Diego, CA but can't find them on BBB web site.

Wanted to add that Save My Home USA is a scam! We checked to BBB before deciding to go with them and they were accredited. Then... We paid them money they requested. We was already 3 months behind on our mortgage.

I had not heard from Save My Home USA in nearly 3 weeks so attempted to contact them to see what the deal was. No phone number work anymore, their website is being directed to a different web site lmprocessing and then I checked BBB website and they have been REVOKED! Now I am 8 months behind on my mortgage since Save My Home USA told me not to have contact with the bank of make any payments, we are out all the money we paid them and are probably def. going to lose our home unless our bank works with us!

If anyone finds information on Save My Home USA, please post it! The BBB even listed on their site that no one is able to get intouch with them!

I just want to say for the person above bashing intellichoice, they were not always a scam. I worked there for a long time and help to save many homes in the time I worked there with many happy clients. 

I called Guardian Advocate Group to modify my loan way back in June. I talked to a guy named Gregg Shwack and was convinced that this was a legitimate loan modification company. I also had small email communication with Mike Luchen (CEO), who also assured me that I was in good hands. 

FYI, Mike Luchen is in prison and you will not hear back from MIKE LUCHEN from the Guardian Advocate Group for a long long time...he has been convicted and is in jail!  He evidently thought being a top agent gave hime the right to go against the law!

Coldwell Banker in White Plains has dropped him and his license and his listings have been assigned to other agents.  Coldwell Banker has silenced their agents and have been told to say he has taken time off due to personal reasons.

I can't stand these people who make it bad for the rest of us honest and hardworking agents!

 

Here is his site

http://www.mikeluchen.com/

http://www.guardianmods.com/ 

Beware of the PRIORITY MORTGAGE GROUP, INC. DBA PRIORITY FINANCIAL GROUP. They have a DRE licence 01789005. I paid them $4000 advance fee to handle my loan modification application with IndyMac. Guess what? My house was foreclosed anyway. I called IndyMac why was my house foreclosed despite my pending loan modification application. They said that the only communication they got from the Priority Mortgage Group was a request to list them as an authorized party on my loan and NOTHING ELSE!

Now I am having difficulty recovering my money because their Designated Officer, Mr. David Gomez, continues to ignore me.

I guess the DRE licence is not a foolproof indicator to tell the difference between acam artists and honest-to-goodness professionals.

I would be very happy to see their licence revoked.

MIKE LUCHEN aka Mike Yeninas is in fact a convicted felon now. He is serving his sentence in Ottisville Federal Prison Camp. Hopefully the state will yank his real estate license for good. Its people like this that give all the good Realtors a bad name

Callie just called me. She made a great point in which she pointed out the methods I used to get her attention. I should not have questioned her Christianity. I know understand the situation and what had transpired. I apologize to you Callie. i truly ask for your forgiveness in the way i went about trying to contact you.

Even after i did what I did- she offered advice and counseled me on my situation. Again- Callie....I apologize and thank you for your efforts.

KSA - No they can not advise you not to make your payments! 

I went through a company called AFS (A Fresh Start), in 2009, and the attorney they work with, Michael M. Yellin in LA.

I filled out all the papers, paid $2000 to the attorney and waited, and waited, and waited.  They did send all the papers to my lender about the time the lender started forclosure procedings.  I kept calling the attorney's rep that was the POC but she could never get the lender to assign a negotiator.  When my lender finally assigned a negotiator my house was going up for auction and I had no choice but to take their offer or lose my house.

I had a ARM and the new modification gave me a lower interest rate by 1.5% and is still a ARM.  I felt I got scammed by AFS and the lawyer.  To top it off my lender tacked on $18,000 to my loan and part of that was their lawyers fees, so I got double whammied.

With all the hype that was in the news and all the programs out there I was under the assumption that these attorneys that are working for you would try to find the best deal and not rely on just my lender.  So much for assumptions.

 

 

 

I have just had a bad experience with priority finanacial group in San Dimas, John De La Garza handled my modification request, the one thing that I request that he keep me informed on the update calls with the BofA on the status of my modification, he failed to do that, when you call him and leave messages to call you he fails to respond. I received notification that my home is up for sale Aug 17th 2010, I was never told by priority finanacial of this only thru my calling BofA was I made aware of what was going on, when I questioned John Dela Garza about this he said not to worry that all homes that are delinquent will automatically go into forclousure but as long as you are in active stage of modification they cannot sell your home, I asked if I should attempt to make my loan current, he said that these are scare tatics that the banks do in order to get money from you and not to worry because once the modification is complete you will be forgiven for the late fees and such and any money you owe will be be put on the back end of the loan so if you send money it will throw the numbers off and figures will have to be recalculated. I am really disappointed that I did not qualify for the modification but I am more disappointed that companies like priorty financial group are allowed to operate with agents like John De La Garza.  

My Dad bought his home in 1988. Since then he has divorced, remarried, refinanced, remodeled and now is divorced again. Now the value of his home is less than what he owes and since he divorced he can't afford the payments on his own. He went through the the home loan mod through his bank which is BofA who put him on a trial payment plan FOR ALMOST A YEAR. He made all the payments on time then they told him he was rejected for the mod and needed to pay what he owed which is $13,000 if he wants to keep the house. This is the first home he's ever owned and doesn't want to lose it. It seems even the banks are in on the scams theses days. They tell you to go on a "trial" payment plan then reject you when you do everything they've asked and paid on time. It doesn't make any sense. If he had that kind of money he wouldn't need the modification. Are they getting money from the government while they make people think they are getting a modification? The only option seems to be a short sale where the bank isn't going to get the money their owed anyways.

Please help with any advice. I am now in the process of potentially getting a modification through BofA. My wife and I have recently both been laid off of work and we are scared that getting into any home loan mod, even with our lender, is a scam.

Thank,

Like so many others my husband & I also tried to get a modification with BoA after a year of trial pymts we were told our modification was denied and that we are now past due over $13,000.00 and we were now in foreclosure again BOA put us in a Modification Review.  It has now been another 6 months and they just declined us for MHA program but the we may qualify for another modification and he we wait again.  I started to see if there is any company that can help us.  We don't want to loose our home.  I have been contacted by three companies ( all law firms), NMHC, Friedland law group, and Defense law Center, they all say they can help us.  I am really scared to commit to one of these companies as we really don't have the money ( they all want $2000 - $4000) to help us. Has anyone dealt with any of them, or is there some company out their that can really help us?  Please email me at Dutmax07@yahoo.com if there is anybody out there that can help

JE

Hi, I am dealing with a company called Estate Law Group and they aksed for money up front and two additonal payments down the road. I could not find anything negative about them and that is why I chose to use them, if anyone out there has had experience good or bad please let me know soonest because I am really searching before I give them another red penny and end up losing my home anyway.

 

Thanks

Matt, I was contacted by Estate Law Group and am looking into their background now.  So far there hasnt been much info available, which makes me leary.  However, the conversations I've had with my account rep have all stayed away from cost or fees and have been noticably absent of any overt requests for private information.  I'm interested to know what you decided or found out and will continue to look for more details or background on the business.

I was contacted by Estate Law Group and spoke with them yesterday.  The gentleman sounded very professional.   I decided to check the internet for reviews on them.   I also searched the attornies that are listed on their website www.estate-lawgroup.net.    Some of the same attornies are listed on the website for State Law Group.  I could not find any information on two of the attornies that were listed.  I found several complaints about the State Law Group, so I am not going to use Estate Law Group.  If Estate Law Group is using the same attornies, I can't have faith in that company either. 

Can you help me please let me know

WARNING... Stay away from this scamming, inhuman firm. They got me good for over $3200. They goated me along for over a year making me do the same submissions over and over. Then, "NO CONTACT". No return calls. I know this has happened to others..and would like to know if anyone knows of a multi-party law suit I can join for possible recovery? They encouraged me that the new loan was imminent, right up to the end. The purported boss/owner is Richlyn Graf. The main con artist is, John Davi.

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