Menu
Login
I have been approached by this company and am unsure as well. They said they will find the discrepancies in my loan (for 1% of original loan amount) and give to their law people who will then assign a lawyer at $1000 per month (for about 9 months). I have researched the lawyers, the Founders and everything I can. All seems OK...but they are a newbie company. Basically not enough data to determine. The Rep I talked to was knowledgeable and explained well and answered my questions. I would go for it for sure except for...I am afraid of the process where I am not supposed to talk to the lender once the TRO (temporary restraining order) is filed, which means I'm not supposed to be sending the lender money, correspondence, nothing. That is the only part of this whole thing I am holding back on because at this time, I have never been late in my payments. Problem is, everything is going to change and soon--so I have to do something. Also, 9 months (10 if you include the audit the first month) is a long time to wait to see if you are a winner...almost like having a baby! I was told things would get worse before they got better--but they cannot guarantee that we will win. So what to do...what to do.
Thank you everyone! I have been holding off becoming a customer of these guys and am glad I listened to my gut. They were too positive I would win my case, they kept lowering the cost of the audit and raising the cost of the legal services. George Pulvino keeps trying, but the next time he calls, I am just going to tell him we went with someone else (and I did... me!). I've figured out how to make it all work without losing my home or even being late on one payment. By the time trouble comes-a-knocking, when all is said and done, I will be paying less for my house than if I went with US Loan Auditors/My Legal Service.
My thoughts and prayers go out to all of you who did get scammed, I hope Karma bites them ALL on the behind!
The complaint has been investigated and resolved to the customer’s satisfaction.
Bob, I sure wish I could be there to assist you on Monday. Stay strong and don't let them win! They are heartless, money hungry, leeches and they do hate public attention or should I say negative public attention. I wish we could all work together to get a class action lawsuit against them.
To those who might be interested, after doing some research, I found a company called equityflips.com that Shane Barker and Jeff Pulvino are listed as Principals on. This company makes HUGE profits off the resale of forclosures. It will be interesting to know how many homes they have sold and made profits on that were clients of USLA. For those of you that have lost your home you should looked into who bought and sold it!
I will be doing some more research on this issue and will post as soon as I look at the public records for the foresclosures.
If they are indeed selling forclosed homes from clients of USLA this is a serious problem and I think alot of people will want to know!
http://www.equityflips.com/index.php
After some brief research in regards to US Loan Auditors and their related companies, We've decided to conduct a more thorough investigation through one of our affiliated groups.
You may find more information and keep up with our effort at the following link:
http://publicdocumentdistributors.com/forums/showthread.php?t=493
In addition, we will be meeting with GamblingBob for a short educational class to prepare him for the time ahead.
Not to worry either; We are a public support group, and there's no charge
Greetings Everyone I will be there Monday if you want to support what I am doing please be there thans Bob.
I must tell you that the employee's of this firm know exactly what is going on. They all know about the complaint board and know why there has been security doors added on extensively around the office. Do you know the turnover of the fraud investigators? Huge. Most of the ones who figure this out don't want any part of it. They are always hiring new fraud investigators. Why would this be if the pay so well? Why would this be if this was such a great thing? You would think people would be knocking down their doors to work for them, but this is not the case. NO CASES HAVE SETTLED. DO NOT PUT YOUR MONEY INTO THIS.
I'd like to add signs around the city, maybe have a vehicle parked on the Folsom Blvd or somewhere with a sign exposing this scam. Park one downtown in front of Jerry Brown's office. Have a protest in front of the AG's office. Maybe one in front of Barker's home or his parents.
On Friday when this whole ordeal was going on the owner of the company Jeff Pulvino was showing anybody on the street Mr. Jackson's audit, telling them that it was indeed Mr. Jackson's. Would'nt this be a breech of privacy? People are going to look at Mr. Pulvino and think what is this guy doing? Nobody in their right mind, after that, would even consider doing business with them. Afterall, would he walk up and down the street showing anybodys audit? I really hope that Mr. Jackson takes legal action agianst this company! I urge you to seek a Civil Rights Attorney. There are many firms based in Sacramento that handle this kind of harassment and privacy issues. They cannot do the things that they are doing and get away with it.
Keep up your good work and we all hope to see you out there on Monday! Anybody that can go should try and join him!
was just told more info on this sacramento branch
Breaking news
Nick Lucia
apparently he co-owned a mortgage company named SAGE Credit Corporation in sacramento
Why is this important... Because the other owners name was
Christopher Warren:
Christopher Warren, Fraud Suspect, Caught At Border With $70, 000 In Cowboy Boots, $1M In Swiss Bank Certificates
A suspect in a nationwide mortgage fraud scheme who fled the country was caught at the Canadian border with $70, 000 stuffed in his cowboy boots and nearly $6, 000 worth of platinum, authorities said Wednesday.
Christopher J. Warren, 26, was arrested early Wednesday while entering the United States at Buffalo, N.Y. After he disappeared Feb. 3, Warren was charged with conspiracy, fraud and conducting a continuing financial crime.
If convicted, he faces life in prison.
Warren is the second of three fugitives to be caught in the ongoing fraud investigation of Loomis Wealth Solutions, a Roseville, Calif.-based investment company, and several related companies.
Court documents alleged they defrauded investors and mortgage companies of $100 million since 2006. The fraudulent deals involved 500 homes and condominiums in California, Florida, Nevada, Illinois, Colorado and Arizona, according to Internal Revenue Service affidavits.
Warren flew to Ireland on Feb. 3 on a chartered private jet, then traveled to Lebanon and Canada, acting U.S. Attorney Lawrence Brown said. U.S. Customs and Border Protection agents were on the lookout for him when he took a taxi from Toronto to the border at Buffalo.
Prosecutors said Warren had photocopies of assay certificates showing the weight and purity of $1.1 million worth of gold, but it was unclear if he actually had ownership of that gold. They earlier had said he was carrying $1 million in Swiss bank certificates.
Authorities believe Warren also had brought to Lebanon $4 million to $5 million in gold, which he had shown some of the flight crew, but that has not been recovered
These are the people that are helping sacramento home owners
Remember kids...its not slander if its true... check the facts
Just found out more on that Branch in Sacramento...The one with the owner
Nick Lucia
They had a manager at there branch by the name of Peter Scalise up until last month
http://www.sacramentotoday.net/news/templates/community.asp?articleid=1151&zoneid=1
Local law enforcement arrested Edwin Hetherton and Peter Scalise for six counts each of real estate fraud and six counts each of identity theft as part of a two year Sacramento Police Department real estate fraud investigation.
Hetherton and Scalise worked together under Hethertons company, Azzure Financial, and neither of them were licensed with the Department of Real Estate. They were using another brokers license information without permission, under which they collected loan commissions. At least six fraudulent mortgage loans were facilitated by the two suspects, totaling over $2, 000, 000 Some of these loans ultimately defaulted.
Warrants were issued for both suspects. On June 9, 2010, Hetherton was arrested for his outstanding warrant by the Roseville Police Department. Later that day, Scalise turned himself into the El Dorado County Sheriffs Department.
These are the kind of guys selling sacramento home owners audits
Remember kids, its not slander if its true...
Something to know...
They also have a satellite branch in sacramento, right down the street from there main office,
The owner of that branch is named Nick Lucia
He also sells audits for Us loan auditors,
People have yet to mention this guy yet, but he is just as involved as shane barker,
Hes the guy Behind the scenes but just as involved
with the company
You should call him and see if he could help get your money back
[protected]
. [protected] - Direct
[protected] - Fax
10301 Placer Lane, Suite 200
Sacramento, CA 95827
There is something that people are leaving out,
1) why did you get an audit
2)What was the purpose of this audit
3) Who told you to pay for this audit
4) what violations were you told that you had
5) If you knew that this was going to become a lawsuit, who told you to pursue the lawsuit...why
6) were you told to stop making your payment?
7) were you told that if you file a lawsuit... that you could stop making your mortgage payment because you were protected by a lawsuit?
If these things happened.. then ask the big question, WAS that person you spoke with to sign up for, and purchase the audit for the purpose of pursuing litigation?
Because if that person was just a (forensic auditor) then you need to call the state bar for a huge reason
UNAUTHORIZED PRACTICE OF LAW! thats huge... NO PERSON CAN GIVE YOU LEGAL ADVICE AND TELL YOU TO LET THEM FILE A CASE WITH ( ALLEGATIONS AND CAUSES OF ACTION) unless that person is an attorney! THATS WHAT YOUR COMPLAINT NEEDS TO BE
Something to know...
They also have a satellite branch in sacramento, right down the street from there main office,
The owner of that branch is named Nick Lucia
He also sells audits for Us loan auditors,
People have yet to mention this guy yet, but he is just as involved as shane barker,
Hes the guy Behind the scenes but just as involved
with the company. [protected] - Direct
[protected] - Fax
10301 Placer Lane, Suite 200
Sacramento, CA 95827
Keep in mind that the are also being sued by BANK OF AMERICA
look it up on justia
Bank of america v. Us loan auditors
and BofA is going to win.
There is something that people are leaving out,
1) why did you get an audit
2)What was the purpose of this audit
3) Who told you to pay for this audit
4) what violations were you told that you had
5) If you knew that this was going to become a lawsuit, who told you to pursue the lawsuit...why
6) were you told to stop making your payment?
7) were you told that if you file a lawsuit... that you could stop making your mortgage payment because you were protected by a lawsuit?
If these things happened.. then ask the big question, WAS that person you spoke with to sign up for, and purchase the audit for the purpose of pursuing litigation?
Because if that person was just a (forensic auditor) then you need to call the state bar for a huge reason
UNAUTHORIZED PRACTICE OF LAW! thats huge... NO PERSON CAN GIVE YOU LEGAL ADVICE AND TELL YOU TO LET THEM FILE A CASE WITH ( ALLEGATIONS AND CAUSES OF ACTION) unless that person is an attorney! THATS WHAT YOUR COMPLAINT NEEDS TO BE
I think this is a wonderful place where people can post their dissatisifaction and wrong doing that people do to them. Everyone needs an outlet of some sort. This is a great outlet and very interesting to read.
Greetings whether or not the State Bar or AG does anything is one aspect. If by some miracle they are within the law what they are doing is totally unethical. Where I come from principals and ethics mean something. I will be out there until they either use some common sense and refund the $3, 000.00 to me. Or people will continue to find out how this company operates and it will hit them where it is most important, their bank account. Of course in these Audits that are performed especially in an arm option or pick a pay loan you will always find violations so there 100% money back guarantee if you decide not to move foward is worthless. To pay Thousands of dollars for an audit that costs them several hundred is unethical at best.
I have absolutely no faith in the Attorney General's office. None whatsoever. The AG's office is where claims of fraud, corruption, and similar things go to die a silent death, or be slowly strangled so there is no prosecution of the individuals. I am not saying that just as a reflection on Brown either. It's been several regimes. It's not the office holder in general, but the office itself. It may have had a noble purpose in the beginning, but it has morphed into something different and not serving the citizens of the state much anymore.
I don't know anything about the DRE, but hopefully it is not run like the contractors board, because if that's the case, it only serves the industry and the employees primarily, and only slightly the public.
Gamblingbob you are our Hero! (People get up and get out there and the support the cause. You will make a difference. There is power in numbers...believe me).
Gamblingbob barely touched this woman's (employee) car. They were trying to do anything they could to get him arrested, so he could leave. He has the right to Freedom of Speech under the First Amendment. He sharing his experience and how he feels about this company. If the company did nothing wrong to Gamblingbob, then why are they going to the EXTREME of having 8 employees including Jeff Pulvino and Shane Barker out there to get rid of him. Can you imagine the owners' had took the time out of their day to bully Gamblingbob. What owners' of huge corporation would that?
These guys, Jeff Pulvino, Shane Barker and James Sandison the owner's of both companies are make millions of dollars by charging:
US LOAN AUDITORS 1% OF THE LOAN AMOUNT and
MY US LEGAL $1000 - $1, 500/MO AUTOMATICALLY DRAFTED FROM CONSUMERS BANK ACCOUNTS.
Example:
Mortgage Loan Balance = $500, 000
Forensic Loan Audit 1% = $5, 000
MY US LEGAL fee = $1, 500/mo
If it took a 6-12 for a case to actually go to court, that means this client would have paid a total of = $14, 000 (6 mos) or $23, 000 (12 mos.)
Imagine how many clients they have that currently have loan balances like this?
THIS IS A CASH COW FOR THEM. THE MONTHLY FEES THEY COLLECT SUPPORTS THEIR LIFESTYLE AND HABITS. CAN YOU IMAGINE MAKING $500, 000/MO...AND THAT'S AUTOMATICALLY WHETHER THEY WORK OR NOT ON A FILE.
If THEY have nothing to hide, then why are they wasting their time with harassing him. When the officer came out, Gamblingbob should of told the police they were harassing him and blocking him from walking and bullying him.
Word of advice to Gamblingbob call a First Amendment, Civil Rights Attorney ASAP. If these guys are going to great lengths to get rid of you, there' no telling what else they are capable of doing. A judge would not allow them to harass you, block you or intimidate you. YOU HAVE RIGHTS. Get one ASAP.
I KNOW THIS FIRST HAND BECAUSE IT HAPPENED TO ME BUT I WON. I WAS ALLOWED TO CONTINUE SPEAKING TO THE MEDIA, ASSOCIATED PRESS, ETC. as long as you are not defaming, committing libel or slander. Keep it clean and honest. Remember it's your experience and thats what your telling...your experience with this company.
They cannot blame you if anyone sees your sign and decides not to do business with them. Consumers have the right to do their due diligence on the company, including talking with other clients whether satisfied or not satisfied.
They have ADS ALL OVER California. They put themselves on billboards, commercials, radio ads, newspaper ads, mailers, solicitation by phone, they made themselves public.
If anyone was contacting by this company via a phone call, while your home was in foreclosure, you may want to call the DRE and AG ASAP. It's against the law to prey on homeowner's especially in foreclosure...
I see they did have an employee that spoke out,
It appears the company took some action against him, and he sued using a whistlebloer statute. But...they successfully kept the record from the public. A judge ruled that making it public
This overriding interest supports the Court sealing the records specified below.
4 3. A substantial probability exists that this overriding interest will be prejudiced if
5 the records specified below are not sealed, in that US Loan Auditors provided evidence that it
6 derives both actual and potential economic benefit from the nondisclosure of this information.
7 US Loan Auditors operates in a highly competitive service industry in which its sales practices
8 and strategies are fundamental to the competitive advantages it has built for itself. US Loan
9 Auditors' sales strategies and procedures are instrumental to its successful development of its
10 services, its placement of those services with the appropriate clients and its ability to profit from
11 those services. Should US Loan Auditors' confidential information be made public, its
12 competitors in the industry will be able to improperly capitalize, for their own gain, on the
13 successful business structure US Loan Auditors has built and implemented.
then they forced her into arbitration, and she still fought back, calling it an unconscienable contract. The judge ruled she had not presented evidence of that.
She's a fighter...I like her!
But they may have successfully silenced her. Arbitration records do not have to be public.
I drove by and wish that I could stop and talk to the protester, he was sitting in his truck surrounded by USLA, including the media guy, owners, and employees. Some that I know, others that I didn't recognize. I used to work for them, most of the employees don't know what is really going on. If they did, they would be finding another job like I did. There are so many people that are paying them monthly still hoping, I know it's a tough decision, but stop, your wasting your money!
AyatollahGondola: Please help this man, it doesn't seem legal what they are doing to him.
So I posted one video for now. Gotta run for now though. Will try to update later
I've started a thread at FBIS so people can see some initial pictures, but there's no report yet
http://www.fightbackinsac.com/forums/showthread.php?t=7454
Awesome, keep up the good work! You guys are pushing some buttons.
I went by the protest today as I live nearby. I am green to this company and didn't know the protester until today. I will say the company is using rather intimidating tactics to discourage the protester from exercising his 1st amendment rights. They called the police for some alleged traffic collision, but the damage to the USLA employee vehicle was determined by the officers not to have been caused by the protester vehicle. Being a spectator, I'll say that the employees who were acting on the company's behalf thought they were intimidating me by taking my picture and such.
Anyway, I feel the protester is entitled to continue his effort, and our organization has initially offered some help to him via our website and some of our equipment
www.FightBackinSac.com
He needs support! This company is a JOKE. The president is out there jumping around in the street beating his chest like the monkey he is. Finally Jeff shows his true self!
JUST HEARD FROM SOMEONE, GAMBLING BOB IS BEING HARASSED OUT IN FRONT
OF USLA FROM 8 EMPLOYEES INCLUDING JEFF PULVINO AND SHANE BARKER.
EVERYONE NEEDS TO GO OUT THERE NOW AND HELP HIM.
WE ARE ON OUR WAY.
Beware beware! go full force friday... we might actually have a new station out there tomorrow
FRIDAY IT IS.
Hey, I just noticed on the video www.usloanauditors.tv
Homeowner and employee of US LOAN AUDITORS “SENIOR Fraud Investigator” Pat Lourim states in the video but not in the written story that the Top 100 attorney that helped him save his so-called home is Jonathan Stein from Elk Grove.
We should call Mr. Stein and ask him. This case is public record right. If he's a Top 100 attorney and if won his so-called case then he would love to tell us. Any attorney would love to share their successful cases...right!
Just found him...
Law Offices of Jonathan G Stein
www.jonathangstein.com
5050 Laguna Boulevard #112
Elk Grove, CA 95758
[protected]
Friday is always a big day of clients for the scam salesmen at USLA. Let's get there early and show support with Bob. Help him inform the TRUTH to clients that have been lied to by the 3 stooges and company, barker pulvino and sandison. He can't do it alone!
Donald, do you have first hand knowledge of this? Have you spoken with any of the attorneys? We would like to post the names of every attorney that contracted with MY US LEGAL. They are partly to blame because they are the attorneys. They are probably part of Sandison's cronies. See Sandison's license below.
Why would they take on a case..if they don't have the experience and there was no cause to begin with? Come on...they knew MY US LEGAL's goal was to help the attorney stall the process of the case before it went to court so MY US LEGAL can make as much as they can from the homeowner.
Basically, the attorneys stall the cases from going to court, while MY US LEAGL takes our money and let the lenders take our homes.
What a friggin scam? We need to revolt. We need to hold the Dept of Real Estate and the Bar accountable too. They are the agencies that were suppose to listen to our complaints, earlier on. The Bar oversees attorneys and Dept of Real Estate oversees 'LICENSED AND UNLICENSED REAL ESTATE' people. If these agencies did this last year, many more homeowners would not have fallen victims. SO ANGRY!
Neither Pulvino, nor Shane Barker are not Real Estate icensed in the state of CA to work with the public in regards to loan mods. Yes, Sandison has a Broker's license but that doesn't mean he's allowed to have unlicensed personnel doing loan mods under his watch. See his license below...Jeff and Shane are not listed under his license.
Furthermore, if you review the video testimonies of their clients www.usloanauditors.tv you will notice NOT ONE of them went to court. A few of them got their loans modified...KEY WORD "MODIFIED." So they do in fact, do loan modifications and according to SB94 IT'S AGAINST THE LAW TO CHARGE UPFRONT FEES.
http://dre.ca.gov/cons_adv_fees_alert.html
Consumer Alert - Advance Fees and Loan Modification Services
Important Notice: Advance Fees for Loan Modifications Now Prohibited (Effective immediately)
On October 11, 2009, Governor Schwarznegger signed Senate Bill 94 (Calderon), and the legislation took effect immediately upon his signature. Read important notice.
ADVANCE FEES FOR LOAN MODIFICATIONS NOW PROHIBITTED
Governor Arnold Schwarzenegger signed Senate Bill 94 (Calderon) which prohibits any person, including real estate licensees and lawyers, from demanding, charging, or collecting an advance fee from a consumer for loan modification or mortgage loan forbearance services. IF YOU ARE APPROACHED BY ANY PERSON REQUIRING UP FRONT FEES FOR THESE SERVICES DO NOT PAY THEM.
No matter how they want to describe what they do, THEY DO LOAN MODIFICATIONS BUT HIDE BEHIND THE VEIL OF "FORENSIC AUDIT AND FRAUD INVESTIGATORS AND LAWSUITS...GIVE ME A BREAK. If they make a call to the lender and they don't file a lawsuit and the lender modifies the loan...what is that called, "LOAN MODIFICATION." GET IT!
WWW.DRE.CA.GOV
License Type:
BROKER
Name:
Sandison, James Donald
Mailing Address:
10837 FREEMAN RD
WILTON, CA 95693
License ID:
[protected]
Expiration Date:
08/13/12
License Status:
LICENSED
Broker License Issued:
08/14/08 (Unofficial -- taken from secondary records)
Former Name(s):
NO FORMER NAMES
Main Office:
10837 FREEMAN RD
WILTON, CA 95693
WWW.CALBAR.ORG
James Donald Sandison - #148812
Current Status: Active
This member is active and may practice law in California.
See below for more details.
Profile Information
Bar Number 148812
Address Law Offices of James D. Sandison
PO Box 1085
Elk Grove, CA 95759 Phone Number [protected]
Fax Number [protected]
e-mail jsandison@aol.com
District District 2 Undergraduate School California St Univ Sacramento; CA
County Sacramento Law School Lincoln Law School; Sacramento CA
Sections None
Status History
Effective Date Status Change
Present Active
12/5/1990 Admitted to The State Bar of California
Explanation of member status
Greetings people I have been out there every day protesting against this company I would appreciate it if other people would come out and support what I am doing. I drive from auburn everyday. This company has tried everything they could think of to get rid of me except give me my money back as I have requested. They have called the police numerous times ---code enforcement--they served me with a no trespass so I went out on the street each and every day they bring that stupid looking green van up and try and block my sign. I get great exposure from the freeway and the street. Last thursday Jeff Pulvino approached me on the street and said he had a compromise offer to make me.
If I would stop prostesting he would continue my case at no charge except I would have to pay $250.00 per month to the attorney for misc. expenses. He said I had until tuesday to give him an answer and to e-mail him. I asked him what are you offering me? You don't pay the attorneys they work only on a contingency so what are you offering me? What is to prevent you from just putting my case on a shelf like most of your clients anyway?
He stated that he would never refund my money because it was a question of principals with him. I then asked him what about ethics, if by some miracle what this company was doing was legal certainly this was totally unethical. I told him I would e-mail him later and I did thursday at 4:30pm.
I made a compromise offer to his offer and that was keep $1, 000.00 for the audit and return to me $2, 000.00 and he had until tuesday to respond. I also explained to him that if he agreed I would sign a statement not to continue to protest and drop all complaints against his company. Of course he never responded to my 3 e-mails to him. During our conversation on thursday he stated to me you know I know the owner of the casino and I could have you kicked out.
My response was and your point is. He stated that he had $3, 000.00 in cash on him and if he wanted to he could just pay me then but because of his principals he would never ever return any money to me. I then suggested to him he look up the words principals and ethics because he had neither.
I am banking on this company's ego's because each and every person that does not sign up or continue to pay this company I win. If my money is not returned I will sue this company in small claims Court, I have no problem with that. You would think as smart as these guys claim to be they would have just refunded my $3, 000.00 . Apparently the only way to make this company understand is to hit them in the pocket book. I will continue to be out there until as I have stated in the past they either refund my money or the companyis no longer in business.
Sixela,
We believe, this is the Jonathan Stein located in Elk Grove that's contracted with USLA. He is a personal injury attorney, not a Real Estate attorney. He was listed in the following article in Business Week. NOTICE THE DATE IS AUGUST 7, 2008, BEFORE USLA WAS BORN. USLA WENT INTO BUSINESS IN 2009.
So if this article is true. Mr. Stein was rated on his clients at the time...not clients that were given to him from MY US LEGAL.
We will contact Business Week and ask how Mr. Stein got this rating? And of course check out public records of his cases since January 2009. It will be interesting what we find in State and Federal records under his name. We will report back.
August 07, 2008
Jonathan Stein named to BusinessWeek List of Top Foreclosure Attorneys
Elk Grove, CA– Jonathan G. Stein of Elk Grove was recently named to BusinessWeek.com’s list of highest-rated foreclosure attorneys. Mr. Stein was the only attorney from California on the list of eleven and was California’s Top-Rated Attorney. "We are honored that Business Week relied upon Avvo for their feature on top foreclosure lawyers. However, we are even more honored to have these great lawyers participating in Avvo. When we help consumers find great lawyers, everybody wins, " according to Mark Britton, CEO of Avvo, Inc.
"It is an honor to be considered in this group, ” Mr. Stein said. His slogan, “Protecting Consumers’ Rights, ” is indicative of his practice, Stein said. “My practice advises consumers, including homeowners, of their rights. I have successfully helped consumers renegotiate mortgages, avoid foreclosure and keep their largest single investment – their homes.”
Foreclosures are skyrocketing in California, including the Sacramento and Central Valley areas, as reported by the Sacramento Bee. California has led the U.S. into the housing recession with seven of the top ten foreclosure areas in the country. Stockton has the highest foreclosure rate of any U.S. metro area. Modesto ranked third in foreclosure rates. In Sacramento, foreclosures have steadily increased leading to home prices falling faster than anywhere else in the U.S. As mortgages continue to adjust upward and job losses increase, the picture is going to get worse.
"I receive quite a few calls per day from consumers who can no longer pay their mortgages. Some people just need help negotiating with the mortgage company, while some people need to know their rights in a short sale or a foreclosure. The sooner the homeowner calls, the more help I can give them, ” Stein said.
Consumer protection law is a growing area of the legal industry. As the credit crunch gets worse, consumers are having more types of problems, including harrasment from debt collectors, increasing interest rates on credit cards even for consumers who pay on time, and a rise in consumer credit companies claiming to be a cure for all a consumers problems.
"There is no easy fix to any of this. If there was some secret or if the process was easy, I would bottle it and sell it. But, consumers who come to me have complex problems that require a thorough analysis of their situation. Credit cards, mortgages and self help programs usually combine in a perfect storm to create a disaster for consumers, ” Stein said.
“Consumers need education about their rights, how to help themselves and an advocate to help them through the process, ” according to Stein.
http://www.jonathangstein.com
Regarding Putangnamo's comments, well, he hit it right on the head. ABSOLUTELY CORRECT! None of the people on www.usloanauditors.tv state that they had a successful completion of their court case or outcome with USLA.
On the video, The attorney's name that Jim Lourim was referring to was John Stein. There are only 2 John Steins on the Cal Bar that are listed. One practices family law and the other does Trusts.
I spoke to each attorney myself. Neither one knows anything about USLA and has never done any work for them at all. Additionally, neither one is listed as a "Top 100 Attorney" in California or the Nation.
Jim Lourim has been working there for about 1 year and now he is a SENIOR FRAUD LOAN INVESTIGATOR?
I think rank is handed out to those sales reps that have the best and most persuasive rap of convincing unsuspecting homeowners to join the program. The better you are at this, the higher up the rank you go?
ATTENTION HOMEOWNERS...
JOIN US IN FIGHTING BACK TO GET OUR MONEY BACK...CLASS ACTION STYLE...THIS IS A PRIVATE GROUP.
JOIN OUR GROUP HERE AT COMPLAINTSBOARD AND LETS FIGHT BACK AND SHARE OUR STORIES AND
INFORMATION TO HELP EACH OTHER. (SEE OUR PREVIOUS POST) WE HAVE DONE SOME RESEARCH. IT TOOK
HOURS AND GAS, BUT IT WAS WORTH IT, AS YOU CAN SEE.
GROUP NAME:
Homeowners Fighting Back US Loan Auditors, My US Legal aka US Legal Advisors
This is my response to: positiveaboutusla
Positive USLA accounts- www.usloanauditors.tv
Interesting how you refer to this website and not your website.
http://www.myuslegal.com/recent-cases/
Let us comment your posting: We do not believe the testimonies on usloanauditors.tv If you had thousands of satisfied clients like you claim you do, how come you only have 5 clients with testimonies? Listen to the 5 testimonies very carefully people. By the way, thanks for mentioning their real names, it made it easier for us to look them up in public records.
Homeowner and employee “Fraud Investigator” Pat Lourim (He must be a friend of yours or he’s in debt to you and paying off his forensic audit fees from all his properties that were in foreclosure)...this story is a BIG FAT LIE. Pat’s property at 3901 Kings Way where he claims one of USLA’s Top 100 attorney saved his home and stopped the harassing calls from lender American Mortgage was taken back by the bank by the investor DEUTSCHE BANK NATIONAL TRUST COMPANY in April 2009...this is why the harassing calls stopped, he doesn’t own it anymore; Pat owns another property at 4833 Robertson Ave that was taken back by the lender in March 2010; and Pat owns another property at 2835 Becerra Way which has a foreclosure recorded in July 2009. This is ALL PUBLIC RECORD. Everyone’s loan is public record, anyone can go to the recorder’s office and check it out for themselves.
So WHO is the top 100 attorney? If you had a top 100 attorney, why didn't you mention his name on your site? You think you would want to publicize the attorney’s name if in fact he saved Pat’s home and he was so good. I’m sure the attorney would have appreciated it. And you state Pat has helped over 50 other families. Where are their testimonies? Did they not get a settlement, a reduction in their interest, principal or change in their term? Or are you still stringing them along and paying the so-called paralegal fee...until the case settles in 10 years?
Homeowner Wendy Holbert is not stating she had a successful outcome. She stated she met with the sales rep and he sold her on the lie and paid $6, 247 for her forensic audit...1% of her loan amount. The outcome of his case was not reported on your site. She NEVER claims USLA helped reduce her payment, term, interest rate, etc. (definition of loan modification) or save her home. Her loan is public record.
Homeowners Adrian and Gloria Pillado just says that USLA filled out his paperwork. So what? Big deal! What paperwork was he referring to... USLA's contract. The outcome of his case was not reported on your site. He just allowed them to charge $6, 500, 1% of their loan amount for their forensic audit. Their loan is public record.
Homeowners Fred and Cookie Blomquist could've called the lender themselves and told them about their hardship, medical, income, etc. the lender would've done the same for them. They didn't have to pay $6, 500 for the forensic audit. 1% of $650, 000. His loan is public record and stated on your website.
Homeowner Jack Corry could've worked with his lender. Wachovia was one of the first lenders to modify the pick-a-pay loan. He could've done this on his own. His 1% is $3, 280. His loan is public record and stated on your website.
Just from the people that appeared on your website you collected in access of $22, 527; not including what you collected from Pat’s properties. This is an insane fee just for doing a forensic audit, that normally costs $500. Check it out people, you can call any forensic audit company and the most that we found was $500. And they charge for a forensic audit no matter how much your loan amount is and no matter how many properties you own. There’s no difference if it were a $90, 000 loan or $900, 000 loan, other companies charge a flat fee of $500.
And then there’s your website:
http://www.myuslegal.com/recent-cases/
Do you really think the American public is so stupid as to not look up these cases in court? Court records are public record, unless sealed if it comes to a minor child or judge orders it.
None of the cases on your myuslegal site was a successful outcome. And it appears on your website as if there are several cases your fighting but if you closely they are duplicate cases. They were all dismissed for various reasons...attorney no show, no cause, etc. You are charging a monthly for this and wasting taxpayers dollars for these frivolous lawsuits. This is probably one of the most egregious cases of fraud in the Sacramento area. You people are unbelievable.
We feel sorry for anyone that doesn’t do their due diligence and look you up on the internet, public records, county records, state records, federal records, BBB, etc. You may have gotten away with it for a year, since your inception in 2009 but not for long. These people were seeking your help in saving their homes not paying for your lifestyle.
Scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam
Scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam
Scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam
Scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam
Scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam
Scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam
Scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam
Scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam
Scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam scam
I agree, by bringing out the green truck, shows how desperate they are. It actually helps to bring attention to the protest. It seems like usla doesn't think, they just react. An honest company would simply settle the dispute with the upset customer, but Barker pulvino and company are sore losers and know they need every dime for the real Lawyers they will need in the future and I'm sure they realize that Sandison is not capable to handle it.
Us Loan Auditors are scam! Their sales agents don't know a thing about the mortgage industry. They hire investigators who are not skilled in this field. I was told my loan papers were the incorrect documents, yet my fraud investigator shoud have gone throught the loan papers s to make sure we had the correct loan documents before he turned them in. He did not know what the hell he was doing. Now my file is sitting in Limbo. I paid all this money. I received a call from a lady who is in charge of my file. She did not know anything either. I want my money back!
When I drove by the business today I thought it was pretty interesting that they have their big green truck trying to block the sign that is on the protesting truck. If they say they are not doing anything wrong then why go to this extreme? Sure looks like USLA has something to hide. They must not want people finding out that they are not a good company! It's kinda funny, the green truck brings more attention than if it wasn't there at all.