Debt Reduction Law Center reviews and complaints
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10/28/1994 Discipline, probation
Actions Affecting Eligibility to Practice Law
Effective Date Description Case Number Resulting Status
Disciplinary and Related Actions
10/28/1994 Discipline, probation; no actual susp. 90-O-16014
Beware once you sign that retainer you will not get your money backBeware once you sign that retainer you will not get your money backBeware once you sign that retainer you will not get your money backBeware once you sign that retainer you will not get your money backBeware once you sign that retainer you will not get your money backBeware once you sign that retainer you will not get your money backBeware once you sign that retainer you will not get your money backBeware once you sign that retainer you will not get your money backBeware once you sign that retainer you will not get your money backBeware once you sign that retainer you will not get your money back!
The complaint has been investigated and resolved to the customer’s satisfaction.
Fraud!!!
California Law requires Foreclosure consultants to be registered with the Department of Justice and bonded, to check for registration visit http://ag.ca.gov/loanmod/search_results.php. If they are not, they are subject to criminal prosecution. Homeowners should know that, by law, they have five business days after the date of the transaction to cancel for any reason, with no penalty or obligation. If your contract does not inform you of this, you may cancel it at any time.
California law generally prohibits collecting money before completing loan modification. Exceptions are licensed law firms (that is, bona fide law firms, not just a firm claiming to have attorneys on staff) and real estate brokers who have registered their agreements with the California Department of Real Estate. You can find a list of those with registered agreements at http://www.dre.ca.gov/mlb_adv_fees_list.htm.
We advise you not to rely solely on registration or licensing to determine the reliability of a loan modification company, though. Despite the law’s protections, if you are not dealing with a reputable company, you will find it difficult to enforce your rights. You should investigate the background and worthiness of any company offering to provide you with these services
Search for
Registered Foreclosure Consultants
The complaint has been investigated and resolved to the customer’s satisfaction.
NOT REGISTERED=THAT IS CRIMINAL
California Law requires Foreclosure consultants to be registered with the Department of Justice and bonded, to check for registration visit http://ag.ca.gov/loanmod/search_results.php. If they are not, they are subject to criminal prosecution. Homeowners should know that, by law, they have five business days after the date of the transaction to cancel for any reason, with no penalty or obligation. If your contract does not inform you of this, you may cancel it at any time.
California law generally prohibits collecting money before completing loan modification. Exceptions are licensed law firms (that is, bona fide law firms, not just a firm claiming to have attorneys on staff) and real estate brokers who have registered their agreements with the California Department of Real Estate. You can find a list of those with registered agreements at http://www.dre.ca.gov/mlb_adv_fees_list.htm.
We advise you not to rely solely on registration or licensing to determine the reliability of a loan modification company, though. Despite the law’s protections, if you are not dealing with a reputable company, you will find it difficult to enforce your rights. You should investigate the background and worthiness of any company offering to provide you with these services
Search for
Registered Foreclosure Consultants
NO, "debt reduction law center" is NOT a registered Foreclosure Consultant.
The complaint has been investigated and resolved to the customer’s satisfaction.
Illigal Loan Modifications & Debt Settlement Practice
DRLC Among Others Use Frivolous Defamation Actions to Silence the Truth About Illegal Loan Modifications [protected]:35:57 - “Truth” is an absolute defense against defamation. The law does not even require that a statement be perfectly accurate in every conceivable way to be considered “true.” As a matter of fact, Courts have held that some false...
Read full review of Debt Reduction Law Center and 2 commentsDid Not Help
In a time of dire financial crisis and coming to the point where my credit card bills
were becoming very difficult to pay, I turned to Debt Reduction Law Center for help. I was told to stop paying my creditors and start paying the company $811 a month and deceived into believing that they would get my creditors to stop calling me and to enter into low, desirable settlements on my credit card balances. In the reality, they took my money, but never provided any services to me. The creditor calls were incessant, and anytime I had a question or concern it took multiple phone calls and messages left before I could get a response from my "negotiator." Several times, I resorted to calling the "customer service" department or the original person I had spoke with when signing up in order to get a response from anyone. I was never informed of what, if any, conversations or actions had taken place on my behalf, and have no reason to believe that any actually did.
One time a local legal firm who had acquired one of my accounts managed to get ahold of me (it was a local number so I assumed it was a client and answered the call). I was informed that they had never been contacted by Debt Reduction Law Center and that they were not surprised--they had had other cases where the defendant thought they were being "represented" by this company only to find out later that nothing was being done on their behalf. I dumped thousands of dollars into this company and now all I have to show for it is a ruined credit report, non-stop creditor calls, and pending lawsuits.
When I enrolled in the program, my representative (i.e. salesperson) informed me that if the program ever became more than we could afford to keep up with, we always had the option to get out of it and request our money back. He failed to mention that if I did that, all I would get is a rude, condescending answer that it was my fault the program failed (I stopped paying their fees after 7 months when nothing had happened for us in that time). He said they had done a large amount of work with my accounts and that I was not entitled to any refund--even though I never saw any decrease in creditor contact, never was offered or even asked if I could afford any settlements, and never received any contact from the company without fervent effort on my own part.
I'm now in the process of trying to save up for a bankruptcy lawer and get caught up on late mortgage payments so that I can file for bankruptcy and put a stop to the lawsuits that this company has brought up on me--something that would be easily paid for with a refund of the $5677.21 of fees that they are holding for all the "work" that they did not do on my behalf. In summary, stay FAR away from Debt Reduction Law Center. They run a greedy and deceitful operation and have no intention or desire to help you with your financial situation, and when they cause more problems than they solve, they are unwilling to work with you and make things right. I sincerely hope that this post helps someone else avoid the financial and emotional turmoil that working this company can create.
The complaint has been investigated and resolved to the customer’s satisfaction.
THEY DID THE SAME TO ME DON'T PAY THEM ALWAY'S ASK IF THE PERSON YOU ARE TALKING TO IS AND ATTORNEY, YOU WILL SEE FOR YOURSELD THEY ARE FAKE. DO NOT PAY WARNING
ITS A CIRCUS
I RECENTLY PUT MY TRUST IN THIS COMPANY. I RETAINED THEIR SERVICES IN MAY AND PAID $3, 500 AND THEY PROMISED ME THEY WOULD REDUCE MY INTEREST RATE TO SOMETHING I CAN AFFORD AND UP TIL NOW NOTHING HAS BEEN DONE SO FAR. IF YOU ARE AN INTERESTED PARTY WHO IS LOOKING TO RETAIN THEIR SERVICES...DON'T DO IT! BE FOREWARNED! THIS IS A COMPLETE SCAM!...I'VE TRIED TALKING REASON FOR A REFUND AND EVEN SPOKE TO THAT SAME CIRCUS CLOWN MENTIONED IN ANOTHER COMPLAINT NAMED MARIO AND ALL HE DOES IS GIVE ME THE RUN AROUND ON MY CASE...IF YOU'D TALK TO THIS GUY YOU'D SWEAR HE'S A LAW GRADUATE BUT I HIGHLY DOUBT HE IS...I LOOKED UP CERTAIN LAWS/PROCEDURES HE SPOKE OF AND IT SEEMS HE DOESN'T EVEN HAVE A HIGH SCHOOL DIPLOMA (OR G.E.D. FOR THAT MATTER). I HAVE ALREADY CONTACTED THE ATTORNEY GENERAL'S OFFICE TO COMPLAIN ABOUT THESE CORPORATE CLOWNS.
DAVID MURPHY, IDAHO
I would like to see if this circus clown, by the very least, have a G.E.D. Otherwise, he is just another ignorant peon working for another classles attorney. END OF STORY.
The complaint has been investigated and resolved to the customer’s satisfaction.
P.S. I've done the research and looked up the company on BBB, there's no company listed as Debt Reduction Law Center under the name of Emilio Francisco, you might've mistaken that for the Debt Relief Legal Center of America, Inc. under Adam Stull.
I hope people would post the correct information regarding the matter so it would benefit the readers rather than give them a false basis for their judgement.
They stold $5000 from me and my family and they don't want to refund it i can't understand how they could keep my money and do nothing. Don't sign that retiner that takes your rights away from getting your money back. That money back guarentee is not true i am living proof of that. I ask to speek to the attorney and i just get the run around they always say he is not in. I think this shop is a fraud beware they have an (F) on the BBB
EMILIO FRANCISCO WHY DON'T YOU SIT ON MY BIG BLACK DICK
YOU ARE RIGHT IT IS A CLOWN CIRCUS THESE PEOPLE DON'T KNOW WHAT THERE DOING I DOUBT THEY KNOW HOW TO WIPE THERE ###
SCAM/FRAUD
Northern California
Debt Reduction Law Center Debt Reduction Law Center
1011 Clay Street 2670 S White Rd # 200
Oakland, California 94607 San Jose, CA 95148
Toll Free Telephone: [protected]
Southern California
Debt Reduction Law Center
17532 Von Karman
Irvine, California 92614
Actions Affecting Eligibility to Practice Law
Effective Date Description Case Number Resulting Status
Disciplinary and Related Actions
10/28/1994 Discipline, probation; no actual susp. 90-O-16014
THIS IS TO SHOW THE CONSUMER THAT THIS GUY HAS A SHADY PAST HE TOOK $5, 000 FROM ME UNTILL NOW I HAVE NOT HEARD FROM THEM
The complaint has been investigated and resolved to the customer’s satisfaction.
Although I work for a competitor... let me make this very clear to any reader. I know Emilio and his team. If you need help and aren't with the company I work for, you couldn't be in better hands than with the Law Offices of Emilio Francisco. I couldn't agree more with the previous posting. Not only is this libelous/slanderous but completely inaccurate about their company. Going further it infuriates me because I know Emilio to be honest and ethical and I hold him in the highest regard.
As I said... I work for one of his competitors!
Do what they suggest... stick with the program and I am sure when all is said and done that you will be very satisfied with the results.
DRLC EMPLOYEE WHY DON'T YOU SUCK SOME BLACK ### YOU IGNORENT SUNA OF A ###
THIS COMPANY IS A FRAUD THEY STOLE MONEY FROM ME THEY SAID IT WAS A FIRM AND WHEN I FOUND OUT IT WAS BEING RUN BY A CLOWN NAMED MARIO THAT BOZZO IS NO ATTORNEY I WILL CONTACT THE A.G REGARDING THIS MATTER I HAVE A CLIENT THAT YOU GUY'S TOOK MONEY FROM AND YOU HAVE NOT DONE NOTHING FOR THEM
For all who read this crap. I just checked who posted this complaint and the other one and no suprise...it's the same person. Who has set up a profile under the name of the owner of the Law Firm. Like I've previously said, I doubt the veracity of these complaints. More than likely they are from a competitor. I would even venture to say they are from one of our "former" employees that left recently and is now working for a competitor. Nice try, but next time set up multiple profiles and use different names before attacking.
1 complaint to the Bar in 33 years? Wow...very shady indeed. Give me a break. This action as you can read resulted in no actual suspension. The firm is always very consumer friendly and if the reason is justified they refund money. However, if work has been done to warrant keeping the retainer then why would they return it. This client needs to call client services and detail their complaint in writting. Otherwise how can the firm help them?
FRAUD
http://www.drlawcenter.com/DRLC_files/frame.htm
THEY TOLD ME THEY WOULD MODIFY MY LOAN AND REDUCE CREDIT CARD PAYMENTS THEY LIED AND KEPT MY MONEY THE ATTORNEY EMILIO FRANCISCO IS NEVER THERE AND THAT OLD MF HAS NOT REFUNDED MY MONEY I WILL REPORT HIM TO THE STATE BAR
The complaint has been investigated and resolved to the customer’s satisfaction.
Doesn't matter to me either way if they are registered or not, they are not good people. They have been siphoning money from my girlfriend's account to supposedly take care of her debt, yet when she calls them they always have to call her back, there is never anyone there to speak to. They have done nothing with the credit card companies and basically told her that if she wants to take care of the debt she'll have to file for bankruptcy. So then why do they continue to take her money ? Awful people they are. Emilio should probably spend more time helping his clients then having them defend him on the internet. . . .
suck my big black ### EMILIO FRANCISCO YOU OLD RINKELY ###ER
For all who read this crap. I just checked who posted this complaint and the other one and no suprise...it's the same person. Who has set up a profile under the name of the owner of the Law Firm. Like I've previously said, I doubt the veracity of these complaints. More than likely they are from a competitor. I would even venture to say they are from one of our "former" employees that left recently and is now working for a competitor. Nice try, but next time set up multiple profiles and use different names before attacking.
I highly doubt the veracity of this claim. The policy of the Loan Mod side of the law firm is to refund the money if no work can be done. Also, without specifics of the case such as how long have they been in the program, have they paid off the retainer, how many creitors and the amounts, how far behind they already were. There are many factors that make up each individual case. Fact of the matter is this, we have one of the highest retention and success rates in the industry. Our settlements are much lower than the industry average and we graduate our clients faster than the majority of companies out there. Are we perfect? No, then again no company is. I would invite this poster to call into client services and ask for the Client Services Director Kim.
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They did nothing for me but take my money $3, 500 they told me because i signed a retainer there is no refund. I strongly warn the consumer to be very carefull with this company, they sold me on a bag of goods and it's sad to say nothing good came out of this but anger towards these individuals. I checked and they also have an (F) rating on the BBB