Fortified Financial review: Loan modified higher 97

Paid Fortified Financial 2500.00 to modify our loan and after 18 months hundreds of phone calls, faxes and 9 different employees we had no results. After taking our money they closed their doors. Now they have changed their business name to something else.

Was about to sign up to Fortified finance before i read these posts. Wow i'm glad i did read them. Thanks all for your info and sorry for your losses.

Dave Moffett was arrested last week and was officially charged today. He is facing 9 felony counts of fraud. I am one of the official victims listed on this case. I have been pushing to arrest this pathetic piece of S____! I know he ripped off some of the employees too, but it's the ones who trusted him and his promise to save our homes that need retribution. His Trial is only for us. First trial I should say.
There has been one death and many lawsuits associated with David.
I don't know when his trial is? Watch the Utah news for more info, but after all is said and done. He will be facing prison for a long time. This is only the first of several financial schemes he was running, and the money he siphoned off to his personal account.
Maybe an investigation into selling our names and private information without permission to another company should be looked into?
Jill may be next? Cross your fingers!
Our money and damage to our financial gain have been done. But the satisfaction of going after this dog who has been on the run, is just starting. Dave Moffett, welcome to the party of your life!

I haven't checked back in for some time but I did get notice that David Moffit didn't make his required bankruptcy court payment and his BK has been yanked back so he no longer has the protection of the court. I'm feeling kind of bad for David as I'm sure many of you are so here is his address to send him a sympathy card.
David Moffitt
3561 Hawk Drive
Saratoga Springs, UT 84045
[protected]

I got screwed by them. they took our money, didn't do ANYTHING for us and then skipped town. we were waiting for 8 months and about 5 or 6 people that were in charge of our account and still didn't get anything done, even with me calling them because they wouldn't ever do the weekly call they said they would in the beginning. that david moffitt is a thief.

http://www.sltrib.com/sltrib/home/50948760-76/pogue-moffitt-quintana-temple.html.csp#

Interesting information regarding David Moffitt in this article

Hello,
Has anyone moved forward with legal procedures against Fortified?
I tried to contact Mr.Luke, and received no response.
Is anyone else out there? Thanks!

I would like to let the CEO of ACIB know that I have personally seen FINAL PERMANENT modification terms for over 60 loans, (that is in a 10 month period of time). Modifications DO happen. The problem is in the way the file is presented to the lender. If the borrower is trying to deceive the lender in any way--they will be caught and their modification will be denied. That is what happened with many files from FF. Those of you who will qualify for a modification, don't be discouraged--lenders are offering terms everyday. Anyone telling you otherwise is trying to sell you on something else.

To start off, I am deeply troubled by the activities of Fortified Financial and am deeply sorry for anyone who lost money and more importantly their homes over the past few years while dealing with FF. I am the CEO of American CIB (We are known both American Consumer Information Bureau and American Credit Information Bureau) and yes it is true that Dave Moffitt came to us to try and help his past clients. We were looking for new office space in UT county when we found a space in Lehi that meet our needs, it was the space the FF had been occupying and we were going to take over the lease. In the course of a couple of weeks of us working with the landlord to find out when FF would be out, Mr. Moffitt explained his situation and beg us to assist in helping their clients. I very reluctantly agreed only because I have a wonderful staff of dedicated crusaders that have helped thousands of people in difficult financial situations. I however soon discovered within a 10 day or so time period that I was dealing with someone that did not know how to tell the truth and that we had gotten ourselves into a real hornets nest. Sense that time we have issued a trespassing warning against Mr Moffitt his is not allowed in our building at all and he is in no way affiliated with us whatsoever! We wanted to assist and help, but 10 days ago we were contacted by the DRE and asked not to get involved in helping the past FF clients. We asked the DRE what was going to happen to all these people, and they could not rightfully give us an answer. I want it to be known that we did not take anyone's money and were offering to help for the cost it takes to pay processors, this was not going to be a money maker for us and detracted us for our core business and any modification work would have been performed by our authorized Mortgage Partner here in Utah. With that said let me share with you all some inside information about Loan Modifications. They don't work, never on a permanent basis at least, especially if you are with on of the major lenders. If you are with a smaller bank or CU there is a chance to get a Mod done, sure the banks are giving people temp payment options but nothing is sticking long term from what we can tell. I have been involved in this industry for over 10 years helping people who find themselves in difficult positions and never in history has there been a time of more need and never in history has there been a time of more fraud by the banks. The truth of the matter is the banks have defrauded all of us, they have fraudulently signed out names using ROBO Signing, using MERS (Mortgage Electronic Registry System) they have sold our loans time and time again. Sense the securitization in the 80's of bank notes they have gotten rich to the tune of 250 TRILLION dollars and we are the ones paying for it. This has been the largest transfer of wealth sense 1933 and it is not going to stop anytime soon unless people stand up to the banks. So how do you do that you ask? You have to sue the banks! Right, I know your laughing now, unless you have a couple hundred thousand dollars laying around to pay for attorneys that is not going to happen. That is unless there is a team of TRUE PATRIOTS that are willing to take a stand. American CIB is a consumer advocate that investigates and finds the best solutions for people and we have done this over the years by finding law firms that are willing to do just that, stand up to the powers to be. There is a current pending Mass Joiner law suite taking place against BofA and all the other major lenders to make them prove that they have your notes, which I can tell you 99% of them don't. A Mass Joiner suite is similar to a Class Action, but in a Mass Joiner you have your individual rights and case that must be recognized. You can look up the case called Ronald vs Bank of America out of California or follow this link. http://www.mvipps.com/ronald.pdf We are enrolling our clients in this Mass Joiner suite which currently have 1400 plaintiffs and growing daily. This suite alleges fraud at multiple levels and the outcome of this case will end up making the history books and for individuals it could mean substantially reduced mortgages or cleared all together, that is part of what you get to decide. The banks can't prove that they have your note, they can't because most of them have been destroyed. If you want to stay in your home, you need representation you need to find an attorney that is willing to sue the bank for you. If you are interested in joining this law suite then please call us, its not free, its not cheep. $5000 but what is your home and sanity worth? This is not a pitch nor a call, just a warning that your bank wants to foreclose on you, because they get to cash in on the TARP money that we tax payers put up for them. In closing, I will address a couple issues I saw on this board. We are not accredited with the BBB anymore, which means you pay their fees each year, the BBB is a scam in my opinion and you can Google the recent reports about the BBB on 20/20. Also we are no longer in the Davis county office, we had two offices there and closed them down to move to UT county and conserve on overhead. We still have people in Davis county who work from their homes but our main operation has moved to UT county. We are not a giant of a company, but we are dedicated and passionate about helping people. As for Mr. Moffitt, I am quit confident that he will get his, I have heard that even within the last couple weeks he was drafting peoples money still, shame shame shame on you Mr Moffitt! I know there are mad people, they should be, we have had people come in our new office brandishing hand guns and looking for him, which caused one of my employees to quit and now I have to lock the doors to our new office for fear of someone coming in with an machine gun. I wish you all the very best of luck, if there is anything I can ever do to help a family I stand ready to do so. May God bless you in your efforts, don't stand down, stand up!

In the words of Gregory House, MD..."Everybody Lies." Sorry everyone. I was blind. Good luck with the lawsuits. I mean that.

Matthew Luke,

I'm not sure about UTInvestiGator or LowlyProcessor...but for me I was simply letting you know the inside of what happened so that you wouldn't blame anyone but Mr. Moffitt. Even upper management had no idea what his plan was going to be until after the fact. I want you to realize that the employees did get screwed over and that no anger would be directed at employees. I would be perfectly fine if Mr. Moffitt goes down and goes to jail. Justice does need to be served and I don't like that our system is protecting him at this point. However, true punishment will come to him and he will one day regret everything, as for right now he doesn't regret it. Any processors stating that he does regret it and feels terrible have been taken by a salesman, who could/did sell anything and they are foolish.

Like it has been said several times before...no one should be vigilantes and go after Mr. Moffit themselves. Give the justice system time to work and he will pay for the horrible acts he has committed on someone families.

After being away 2 weeks from the advice of our lawyer not to post anymore I just had to comment and say to Elmo that I have been ROFL about you being contacted by Lehi police and your follow up response (Elmo contact me I’ve been trying to locate you). How the hell is that that they can track you down by your post but they wouldn't do a damn thing for me when I went to the Lehi police to get their help against FF? Our system sometimes truly does protect the "guilty".

It seems from the spam that is being posted that my contact information is being muddled. LUKEMATTHEW@HOTMAIL.COM; [protected] I will put you in contact with our lawyer.

I don’t know when I’ll post again, again on the advice of our lawyer. However, I want to make it clear we are not faulting “employees” at least not ALL of them. Just as the Nazi’s where following Hitler’s orders. Yes there were and still are some “willing” accomplices of the Moffitts and yes there are some who are actually honest and YES some are even still working on cases out of their own time and money (however those honest people have since left FF and have been doing it on their own).

HOWEVER, simply put, IF you are the “honest” employee our anger is not specifically directed to you, you have no need to try and protect your action at FF nor their supposedly “good intentions” (see my earlier comments about this). Everything will be brought out shortly enough. As for complaining and deriding (Concerned Consumer 10) against those of us who were scammed for our anger and what you think you know about my case (UTInvestiGator) or any other cases (LowlyProcessor) etc etc I just find it amazing how “stupid” you are in posting your comments.

Don’t you realize you are further “condemning” FF and proving our case by the various comments that you idiots have posted? Comments such as FF mistake was to offer a guarantee, saying that there are still 600 unhappy customers, saying that 1700 were supposedly processed, employees not being paid, bounced checks, you guys didn’t trust him etc etc. Holy hell you idiots have single handedly won our case by you own posts!

If I were Dave Moffitt I’d ask you guys to shut up because you are seriously damaging him. As for myself, PLEASE keep positing as I laugh at the things that you are saying which are only solidifying our case against Moffitt!

As for my final comment (or at least my final comment on this board) on the subject of our anger “My house shall be called the house of prayer; but ye have made it a den of thieves” (Matthew 21:13). There is righteous anger.

I'm in. Consider it done.

I've had all of the same problems as everyone else. I also filed a complaint with the FTC and the Consumer protection agency. If everyone that has complained here would complain to them as well the governent would do an investigation into the fraud and potentially sue them or even put them in jail. I suggest doing this for retribution! This is about the principal of the issue now! Here is the website http://www.consumerprotection.utah.gov/complaints/index.html
I encourage you to do it! We may not get our money back but maybe be can get even with the help of the governemnt.

Don't know about the class action, but I think it would be better to pursue the criminal fraud charges, find out how much money he took, piercing the corporate veil, so that we can attach to personal property.
I talked to Gephart - total [censored]. He wants something that is easier than pie, takes no work and makes him look like a hero for 1 phone call and a little camera face time. Maybe now that it has all caved and proven to be a scam beyond any doubt, maybe now they would take it, but only if they can make it look like they single handedly killed the giant with just one little stone taken from the riverbed.

does anyone know how to file a class action law suit against FF. And has anyone talked to the state attorney general about filing fraud charges against Dave Moffitt. One more thing, anyone talk to Gephart?

I get the feeling that someone is spamming the site with sales crap do dilute the actual comments. Is there a site admin that can clean that crap off of there?

Do not call the number in the letter. More scam. If they took money from you -- Sue them. Class action questions, contact attorney or email me. I am getting my money back.

Casbah---check your private messages :)

Well, I was contacted by a very nice officer from Lehi Police Department. I can't find a way to pull my comment so let me reiterate - I was HOPING the judge would give me the 2 to the head and 1 to the gut. Of course without the judge granting it I would never resort to violence. Let me be clear on that - I am not threatening Dave Moffitt in any way, shape, or form. However if he accidentally slipped and fell on a baseball bat and it went up his pitooty and I was standing there I WOULD laugh.

I'll find out tomorrow, casbah. I'm so glad you're doing your research!

Lowly Processor

If the new company is so legit and honest and all the things you want us to believe they are---why is their office in Bountiful closed up with no forwarding address? If this is an error, please correct it. I went to check out their office in Bountiful to see if it was really a company we can trust to finish our modifications, the office was vacant and when I asked around I was told they left very suddenly and left no forwarding address. Please find out the facts on this if you will. To me it sounds like a company that is no better than FF and Dave Moffitt's crew.

Here's the BBB Rating guys

http://www.bbb.org/utah/business-reviews/credit-services/american-credit-information-bureau-in-bountiful-ut-5002715

First off, last year when the economy went down, the company I worked for went out of business and I lost my job. A "family friend" told me about Fortified Financial. I started the whole process in March of this year. They made all these promises to us that they didn't keep. Then when I asked for our money back, they informed me that it had to go in for review. Of course we were denied. (Surprise, surprise) We had no choice but to deal with them. Our file was passed around to different people that worked there. That, in itself, made me uncomfortable. So we just took a deep breath and felt totally helpless as they "worked" on our file.

I was contacted today about Fortified Financial filing bankruptcy. Like some of the others, they told me that a company called American Consumer Information Bureau could take over our file for only $250.00 a month. I called the Better Business Bureau and found out that Fortified Financial has an F rating, 47 complaints that they never even responded to and 13 complaints that were never satisfied. So I have to agree with Luke Matthew, the "Investigator" person that keeps backing up Fortified Financial, obviously isn't that great of an investigator if he doesn't even know that the Better Business Bureau accreditation for Fortified Financial had been revoked as of Aug. 23, 2010, and they gave them an F rating. THEY DO NOT HAVE AN A- RATING!

I also asked about this other company that they referred me to, American Consumer Information Bureau, and they have no record of this company. This is a giant red flag for me! I will not be doing business with them either. I'm better off trying to take care of this myself. Like the old saying goes, If you want something done right, do it yourself. We will not loose any more money that we do not have, trusting anyone else to do this for us.

http://www.sacbee.com/2010/11/07/3166545/homeowners-say-loan-mods-led-them.html

The link is to an interesting article that explains that many banks are not modifying loans permanently. The root issue for many loans that did not get modified is the banks sitting on the loan modifications or purely denying them. Did you qualify? Was the bank willing to work with you? There were times that the bank would give out different responses depending on who you talked to - did the bank receive your documents from FF? Yes, but if you talk to person X, they would say no. If you talk to person Y, they would say we already have those documents.

Let the courts deal with it and move on with your life. Many employees were screwed over through no action of their own. The homeowners have been screwed over, but most often by the banks and themselves. FF was paid to be the middle man. What they did could have been done by the homeowners, but they had more knowledge and were being paid to nag the banks.

There is a lot of anger and pain here. Some likely justified, but not all. And no loss of money is worth breaking laws. I don't care what you perceive others have done to you, why would you take it to the next level by threatening violence? Yes Elmo, I think your post could be considered threatening.

And I am not related to FF, did not work there, but know someone who did. Someone who was not paid for 2 months but kept working because they could not abandon their clients... and truly hoped that things would turn around.

The anger is not productive.

Hey, I have an idea...how about someone find David Moffitt's home address and post it here so all of us can drive by and drop off a sympathy card? The crooked son of a [censor] took my money, lost in court, appealed it and lost again. Not that it matters because he still has his Beemer and his house and I'm betting a bunch of cash rat holed somewhere and yet is doing the very noble act of protecting it all via bankruptcy. He had over a year to come clean and do the right thing with just my account but he continued to screw more and more people. I think jail time is definitely in order and if I can help anyone facilitate that I would be more than happy to assist. If I were Dave I really don't think I'd be able to sleep at all at night because there are some very vengeful people out there and not far enough places to run and hide. Lies and fraud and deceit. There were NO good intentions paving his road to hell other than the intentions to line his pockets. These guys are such con artists that ANYONE posting ANYTHING in their favor here - I guarantee is either hired by them or is them.

LowlyProcessor is correct. I agree word for word, because I also was there. Believe me, I was very upset at working for months for free. I have a lot of medical bills to pay and the stress of no money has just made me sicker. But I have also done research and come up with the same results. I am so sorry to those people who have lost their homes, but to those that haven't, there is still things that can be done. I am not corrupt. I am not a liar. I am a processor, and I choose to help families save their homes and rebuild their lives.

Like you said the employees were only doing what they were told - We to were only doing what we were told. FF specifically told us not to pay our mortgage. We trusted them. I do hope that the employees get paid. We are not mad at them we are mad at Dave, Jill upper management who knew what was going on. At least as an employee when you didn't get paid you had the option to leave. We as customers have no option besides pursing this legally. Instead of bad mouthing each other why can't we see that both sides got screwed and in the end its Dave and family that did it! And by the way TRUTH is an absolute defense against slander. I have made sure that everything I have said has truly happened - Lets take down the bad guy and be a team - not against each other - in the end he screwed us both!

Justice does need to be served. However, you need to be brought to reality. Dave does not own his own home, and chances are he will serve jail time for the amount of money he owes his processors and salesman and the bad checks that have already been written to them. There are several processors, management members and salesman that have gone MONTHS without pay because they hoped and believed that Dave would pay them and most importantly they cared about their families. So don't even think you will get a refund before past employees and bad checks are made right. Also, you might want to ask yourself these questions "Who didn't make their house payment" or "Who chose not to make their house payment?" either way when you buy your home you are agreeing to make a mortgage payment. When you stop the bank will start foreclosure proceedings. How long do you think you can live in a house where you aren't making payments. Regardless of the fact that you were trying to get a loan modification. Don't lie to yourself, you are just as much to blame as Dave. I am not a Dave fan nor do I trust him. I hate that hundreds of families are now left to figure out how to do a loan mod on their own but the fact of the matter is...it is what happened.

Just so everyone is aware, FF employees only did as they were told. Going after or slandering any of their employee's is ridiculous and will get you no where. It is hard when you want to blame anyone and everyone for your mistakes but when it comes down to it...if you are losing your home or have lost it, that is your fault for not making your house payment. I am aware that FF has got a lot of families loans modified and that they have successfully postponed sale dates on hundreds of properties. A lot of the properties the sale dates were postponed 5+ times. Each time getting harder. Also, you should remember it isn't a choice of FF or it's past employees to postpone your sale or even give you a loan modification. That is solely up to your lender and investor to decide. The employees can try to do those things, but if you don't qualify you don't qualify.

Dave did screw a lot of people, I am not defending him in anyway. I am however, defending his employee's that including anyone in management, processing and salesman. They all did their jobs to the fullest extent and tried to and did do right by their families. Also, slandering people on the internet isn't going to get any of you anywhere. I hope that you can and will see this and stop this childlike behavior. Besides the fact that most of the comments on here are from people who have no clue as to what has and is transpiring. So grow up and stop assuming you know exactly where everything stands.

I feel as though Dave has screwed us over badly. I am so over being hurt by FF. Whether it is revenge or justice is up to us. My personal feeling is if I never saw a dime and Dave lost his home and went to jail that would be fine with me although I hope to get my money back. I do feel as though Dave should feel the same pain as we have. Not only have we lost our homes - we have lost our pride, our credit ratings, or reputation (by refering this company to our friends). Justice will be served when Dave loses all of those things also! For me it is not about revenge - but he and partners should be held accountable for their actions. I think he was out to make a quick buck and now that he can't pay our guarenteed refunds he claims bankruptcy! Wow how would it be? Screw over hundreds of families, take millions of dollars and them claim bankruptcy so you don't have to pay them back - sounds like an honest man. I hope that we get justice and I hope he feels the pain that we have all felt and I pray he does not get away with what he has done. At first I felt bad because I'm guessing that he has a wife and probably has some kids - then I thought about it and I have a family and he didn't care - I'm still losing everything and so should he. I have to rent a home and move my children from their friends and school because of his negligence. I hope you understand where I am coming from and that while it might seem spiteful - it is justified and deserving. I gave FF and Dave Moffit himself plenty of time to make things right and they refused. I'm sorry it has come to this but I'm not turning back.

Wow...where to start. First off, y'all have every right to be mad as hell. You put your most valuable possession in Fortified's hands, both monetarily and emotionally. And you were let down...scammed...kicked-in-the-crotch, as you will. Yeah...rant on, I say.

When we’re wronged, our instincts tell us to right that wrong. We want justice, and even revenge. Suing Dave is your God-given right. And in a different situation, we all could come out of this feeling that justice has been served.

That said, I think...no, I KNOW that the things that UTInvestiGator are all TRUE. I know who he is and I can tell you that he knows his stuff. I know this because I was a Modification Processor for Fortified Financial.
My story--- I started in July, and during my short time there, I was able to get terms for 5 families, and it felt dang good. 5 is not a lot, I know, but I felt like I was just getting started, and became addicted to helping families stay in their homes.

My clients weren’t just clients. They were families. MY families. I loved my families (still do) I found out that by the time I got assigned to them most of my families were plain pissed off because they HADN’T been taken care of the way they wanted. I aimed to earn their trust, and I did. Mostly, anyway. I worked most days from 9 am to 9 pm. I didn’t get half the training I needed (I know now it was because of the state of emergency the company), but I managed to ask the right questions and get kinda semi-good at what I do, and actually learned how to kick lenders’ butts and actually help some families. Best feeling in the world.

When I came to understand that the company was in trouble, I was one of the last to jump ship, even after the whole management quit. Call me gullible or just plain stupid, but I believed Dave and his plans to keep the company going. When it closed its doors, The Company owed me over $1000.00, and I realized that I had been working the last 2 months for free.

Yeah…I was pissed. I got screwed too. That $1000 is a huge amount for my family and me. I too, wanted justice. I joined this group. Read everything you angry people had to say. Though your anger is justified, it scared me a little to see that in a lot of you are no longer out for justice, but you were out for revenge. Big difference. Your anger has completely taken over, and you CRAVE any bit of information that feeds your anger, whether truthful or not. Like heroin. I decided I didn’t want to wind up like that.

I spent my days writing tutorials to send to my families…showing them how to handle their own modifications. I looked into helping them myself (couldn’t do this, btw). And then I was told about the meeting on Monday. ALL I was told was that a Law Firm (Patriot Law Firm/ ACIB (American Credit Information Bureau) had moved into Fortified’s old office, and were looking to hire.

I researched the heck out of these firms. They’re an 8 year old company with an A+ rating with the BBB. (check it out yourself) I found out that they not only do loan mods, but about a thousand other things to keep people in their homes and/or walk people through the process of facing harsh reality. I was sufficiently impressed.

I showed up at the meeting, nervous and hopeful, and you can imagine my shock when I found that Dave was there. The nerve! I think every one of us was staring daggers at him. But read on…here’s where it get’s interesting.

I’m afraid you’ve been mis-informed about what happened at that meeting. Here’s what happened:

My new boss stood up and introduced himself and his management, and what they do, blew us all away…yadda yadda yadda. Then, yes…he turned the time over to Dave. More daggers were shot his way. But then something changed. The man who stood up in front of me was NOT the same man who hired me. I saw a man going through hell. A man who knew he messed up. He read a letter to us. The one that many of you have received this week. He was very emotional and finished by telling us how very sorry he was. (I suspect that many of you will see this as his latest “ploy, ” but if your hatred goes that deep for a man that you’ve never met, then you probably won’t believe me anyway). I
looked into his eyes, and I believed him.

After Dave said what he needed to say, he sat down. The meeting lasted from 10:00 am to 1:15 pm. Over 3 hours. Dave’s part? 15 minutes. Whoever is telling you different…all I can say is the truth. You have no reason to trust me, I know. But that’s what happened.

I found out through the course of the meeting that the ONLY reason Dave was there was because once he figured out what this law firm did, he spent 2 weeks with the CEO trying to convince him to take on Fortified’s clients, to finish their mods. I’m sure that my new firm resisted because they have such a great reputation, and the idea of taking on 600 angry clients was risky. But even all of you haters will agree that Dave is silver tongued and a very good salesman, and after 2 weeks he wore the CEO down.

The firm agreed to take on Fortified’s clients for basically the cost it takes to pay us, the processors. Yeah I’d say this is a big risk. But Dave made it happen. And homes WILL be saved.

At one point in the meeting Dave stepped out. Someone brought up what was on all of our minds. While many of us were still trying to form our own opinion about Dave’s intentions, we all agreed on one thing: We weren’t going to trust Dave again anytime soon. We wondered WHY Dave was there and what his role was. We were assured by the CEO that Dave was not, nor will EVER be part of management. If he chooses to stay on, he’ll be one of dozens of sales people, on commission, having to earn his keep like the rest of us. In fact, if I show my talents and initiative to my new bosses, someday I could be HIS boss. Wouldn’t that be a kick?

There ya go: The meeting AND the truth. Take it or leave it. But please, no hate mail. It makes me cry…seriously. I’m so very sorry for everyone’s pain, and wish you all the best of luck!

UTInvestiGator, you crack me up… “Oh what a tangled web we weave when at first we try to deceive.” Yes I would rather get any information from Wiki than from your deceiving lies and posts. But SINCE you don’t like “facts” and choose to make up your own facts (oh kind of like what Fortified did). Let me direct you to the FRB site http://www.federalreserve.gov/generalinfo/faq/faqfrs.htm . It does have stock holders thus my point about banks and families that can hold stock in the 12 regional banks but the FRB in itself is an entity within the government.

By the way, private is spelled “PRIVATE” not privet and there too many grammatical and spelling errors on your posts that clearly shows your ignorance.

As for your “so called” investigation on my file, FACT is my family paid more that $1500 (if you were really an investigator you would know that sheesh –PS we have a copy of the “cashed” check to prove it oh yeah try to fight that one in court LOL ). Also, because we started back in Jan of 09 you’d realize that back then David wasn’t scamming everyone for $2500 or $3000 that those after me were scammed for. So ours was paid in FULL.

FACT, YOU DUMB IDIOT how can I have had 3 terms IF THEY NEVER CLOSED MY FIRST MODIFICATION WITH CHASE WHICH I DECLINED BECAUSE IT WAS A HIGHER MODIFICATION THAN WHAT I HAD. IF you were an investigator you’d realize that my first request from Jan of 09 was still open up until last month when I told them to CLOSE IT 22 MONTHS LATER!. YOU CAN’T HAVE MORE THAN 1 MOD REQUEST ON FILE WITH CHASE UNLESS THE FIRST REQUEST IS CLOSED. I told Jill that for months and she still didn’t close out the FIRST! Seriously you suck as an investigator. As for a job, again you are an idiot, I changed jobs in 2008 and NO that was not the reason for my hardship my hardship was because Chase upped my mortgage from $2, 000 a month to $2850 a month in 1 year! AGAIN proving how much of an idiot you guys at Fortified are. SHEESH you have my files READ it before you try to post something that obviously you know nothing about.

ARE you KIDDING me? FF successfully got terms for 1700 Americans? Everyone reading your post is ROFL with tears in our eyes.

You are right about 1 thing, my anger and bitterness against the liars, cheaters, and deceivers at Fortified IS what is fueling my reason to bring all of you to Justice.

PS you claim to have “looked” at my file, unless you are part of the “government” you do NOT have access nor rights to access my “file” (you’d know that there are legal and criminal issues if you did) UNLESS of course you are “lying” and of course I am right and you are indeed Jill, David, or Julie.

I would love to know how UTInvestiGator has ALL the inside information about the new comany that is supposedly taking over FF files, since the meeting with processors and agents was not until yesterday. The one thing that this person has failed to mention is, most of the former FF's management team (Dave, Jill and Becka) are working for the new company--which by the way is called ACIB/Patriot Law Firm (American Credit Information Bureau). At the meeting yesterday, it was Dave Moffit who did most of the talking. The new owner did stand up and introduce himself and basically told everyone who was there, he is afraid that maybe they have bitten off more than they can chew. Don't be fooled by th new company name, it is the same people who screwed up all the files before, doing the work for the new company.

As to the fantastic reputation this new company has--how great can they be and how much integrity can they really have if they are joining forces with Dave Moffitt and Jill Moffitt Hallows Howes? These people need to be stopped from working in this industry once and for all. They are monsters who do not care about the families, and are only out for their own interests.

Please let all your friends and neighbors know--it might be a new name, but it is the same criminals working on their files.

Mr. Luke,

You need to read the post people place thoroughly before you assume again. First I said the company that has offered to help old FF clients is an 8 year old company not FF. Secondly I said nothing about retracting a guarantee, I said they should never have given guarantees. Thirdly who is the idiot? Do your research into who really owns the Federal Reserve Bank Sir, your ignorance is stunningly obvious now. Is Wiki were you get your education? Wow the wool has really been pulled over your eyes, or maybe you have not spent enough time in this country too figure who runs the world. You probably think BILL Gates and Warren Buffet are the richest people in the world too don't you. Lastly as part of my privet investigation I looked into your account with FF. Answer me this fine Sir. Did you in fact only pay FF $1500 and not the full amount as you agreed too? Did FF in fact get terms for you on 3 different occasions? Did you in fact find a job and therefor your hardship was no longer valid with your bank? If this is the case then I would say that you would be the one who is in breach of contract. Lastly never I have I once said that I was an investigator with any state of federal agency, not all of us work in the department of CP, or the AG office. Your rants, name calling along with your complete lack of understanding of how our banking system was established only cements the fact that your ignorance and that you are looking for a scape goat and someone to blame. The truth of the matter is, from what I have gathered to date, FF successfully got terms for nearly 1700 American consumers and there is only a handful of people that they were unsuccessful in getting terms for, and you were not one of them. They went to bat for you and got terms 3 times, which you did not follow through on and now thankfully you are back to work and do not qualify for a Loan Mod. Your anger and bitterness is destroying you down to your core and you are looking for someone to blame for the pitiful state you find your self in. Never once in these blogs have you taken responsibility for your own actions, never once have you stated that you took out a loan you could not service. The truth will eventually all come out and set us free you are right, and perhaps now the people you are rallying to anger will know a little more about you and the truth about your relationship with FF and all they did for you.

UTInvestiGator if you really were an investigator you're probably breaking laws yourself by posting your so-called findings and investigations on the internet especially if it's an ongoing investigation DUH! Secondly, you can't retract the guarantee offer unless both sides agree it's called "breach of contract”! 3rd you say Fortified has been around 8 years? Quote from their website, “Fortified Financial was incorporated in 2004” umm I asked my 8 year what is 10 minus 4 she said 6… yes that’s 6 years NOT 8 years as you say. WOW and you call yourself an investigator? You are doing just as great of a job lying through this post as you were helpful at Fortified. As to your point about the Federal Reserve Bank being privately owned… YOU ARE IN IDIOT. The Fed is composed of mostly 12 regional banking districts and yes some or even majority of the “stocks” may be owned by families here and in the US. Sheesh just look it up in Wiki. You really do suck as an investigator. Finally I’ve been asked to not to post anymore via my lawyer… we’ll see you, Moffitt, and all the others liers in the Class Action Suit. “Truth shall set you free” lukematthew@hotmail.com

Mr. Luke,

Lets get something straight first and foremost. I am not related too, friends with or associated with Mr. Moffitt or Mrs. Hallows, and yes your Bible rants are a little overboard.

It is likely that Mr. Moffitt will face some jail time, if he can not prove that work was done on files, unfortunately these investigations and subsequent subpoenas take time and me reveling my true identity to satisfy your curiosity would only hurt your outcome believe me. Of course you can always create a lynch mob and take your own vengeance, its sounds like this is eating at you non stop and it may be easier for you to extract justice because the owners of FF may never face any real jail time, fines or anything.

FF was given directive to contact past clients too inform them that a consumer advocate company and law firm has offered to help. By the way they have been around over 8 years and have an A rating with the BBB so Mr. Moffitt or Mrs Hallows having anything do do with them other then the transfer of files is ludicrous for you to ASSUME and you know what that spells. Of course this company is taking on a risk and my personal feeling is that a week or so into talking to past clients they may just retract the offer because it wont make sense to them to take on all the problems from FF. They are currently helping over 2500 families around the country in saving their homes who pay $3500 per file. I knew they had agreed to reduce their fees, it sounds like they are offering to work on FF files for $250 per month. Sounds like a pretty fair deal to me, and you need to realize this company has had nothing to do with FF up until now. In fact, I hear that they were looking for additional space in UT county and the building FF was located in was were they were looking and that is how this came to be. They have agreed to take over the lease and the clients, not sure taking over all the FF problem clients is a smart business move, but if you knew the owners of this company you would realize they are patriots who have a passion about helping people.

I would advise people to go to http://makinghomeaffordable.gov/modification_eligibility.html to see if you qualify for a Loan Modification. I am guessing that the majority of the dissatisfied clients never qualified and should have never been offer or sold loan modification. You can also visit NACA http://www.naca.com/index_main.jsp?language=null NACA has also helped a lot of people but their terms are not as good as hiring a legitimate attorney firm of loan modification company, it could be the answer for you.

I am truly sorry that you have all found yourself in this situation. There are many areas that one could point the finger towards, FF certainly should take blame, so should each of us, but most of all we should all be rallying and taking a post to take our county back from the banks. The banks are too blame, our banking system is too blame, it is the most fraudulent cartel in the world. The privately own Federal Reserve Bank, (yes you heard it right the Fed is a Privately owned bank by 13 very powerful American and European family's) is the real one to blame for this mess.

I would encourage anyone that is seeking assistance to do their due diligence on any company and if they promise a guarantee of any particular outcome you should run not walk as fast as you can. My hope is that justice will be done, first and foremost for families who are on the verge of losing their homes, by finding a way for their homes to be saved. Second is that justice will be served on those who took advantage of anyone, its not fair if money was taken and work was not done on your behalf or that you were not refunded money as part of your agreement. Good luck to you all.

So this is a little random - Fortified contacted me for the first time in months today. Guess what guys - they have another option for us! They obviously closed their doors and are claiming bankruptcy (like we didn't know that). They acted like we should be surprised - oh wait we heard it through the grapevine aka complaints board awhile ago. Any way here is the option they had for me. The people at Fortified feel really bad so they have hired an attorney to finish our loan modifications for us - but wait there is a $250 fee that I am responsible for paying! Oh yes this is really what option they gave me. Wow - I definately think that I should give FF more money #1 because they are trustworthy (hehe) and #2 they haven't already made enough money off of us! Seriously fool me once shame on you - fool me twice shame on me. I think I have a better lawyer that I will pay my $250 to. Good luck everybody!

I too was ripped off by Fortified. I am grateful to see that people are taking action. My feeling is that the more people who contact the media so that the story and the names of the rapists( aka Dave Moffit and Jill Hallows) are out there for everyone to see so they know who to avoid. Here are some contacts: Fox 13: news@fox13now.com, 2 news hot line: [protected], Channel 4: www.abc4.com at the bottom of the page go to Station then click Contact then go to Report News/Take Action, Channel 5: [protected].

Things that I will include in my info I am sending in are: that I have heard they are working with Accelerated Mortgage in South Jordan and Fortified Academy. I have also heard that they were looking in to working with his sisters non- profit organization I am researching to find the name, but that they were going to offer people ways to get grants for their homes through the non-profit org, at this point that is hear say so I am making calls to get more info, also the news reporters I am sure will do their own investigation on both of them. I heard that Dave took over $200, 000 out of the company before he closed doors, if that is the case there is a possibility that he pierced the veil of his LLC which he thinks is protecting him from any personal responsibility. If there is an investigation and he has co-mingled personal with business under the LLC I believe that pierces the veil and he looses his protection, any info on this could assist in taking action against him. I am also looking to see what info I can find to have the IRS investigate him for fraud. I feel the media can assist with all of this so the more info we can get to them the better. My greatest desire is to assist unsuspecting families with knowledge of these two violators.

Matthew... you deserve a standing ovation. Fortified (otherwise known as the big "F") has committed crimes against so many people. I know a family that they (Jill) actually took their money, deposited the check and the same day denied the file. They were never reimbursed. Let me know if you want their number...they are willing to go to the FBI and the Attorney General with their case.

Deception was not uncommon for Jill Hallows and Dave Moffit. Jill has written more bad checks than anyone I have ever known and the employees have also started a class action suit against the big "F". I seriously hope Jill and Dave not only get their licenses revoked, but they serve time in their new "modified home" at the point of the mountain in Bluffdale, Utah. Beware of anyone associated with Jill Hallows or David Moffit.

PS... I actually DO know of people that can help you if you (like myself) still need help with your modification. Even though I have gone with a firm in CA there are legitimate companies in UT. I am sorry to say that you will probably need to pay a fee but I am sure they would be willing to help. Contact me if you would like their information. As for my case, I had to pay another $3000 to another company to start this process all over again after 22 months of Fortified excuses.

All that any of us were asking for was our guarantee money (AND our stupid files) so that we can hire a legitimate company to start all over again. I am sickened by stories of all those who lost your homes because of Fortified.