The most trusted and popular consumer complaints website
Explore your opportunities! Create an account or Sign In

Velahos Law Firm and The National Foreclosure Group / Misleading Claims

1 NJ, United States Review updated:

I was called after filing out a form on MSNBC about getting help for a loan modification. Vince Centrone said he could help me and told me the cost would be $2000.00. I told him I would have to make payments of $500.00 every pay day in order to pay and we set up arrangements to do so. He contacted me again on the following monday and said he needed my bank account information instead of my debit card so I gave it to him and we agreed that the money would not be taken out until that friday when I got paid. Well, the next day they took $500.00 out of my account which I did not have because there were other bills that were coming out of my account. After this was done, because he did this too early I ended up with over $800.00 of NSF charges. I called them and they said they had to look into it. I had to call them every other day until I was finally told they would pay for my NSF charges. After this, I was told that the check was in the mail. Mind you, this happened on the week of July fouth and I have yet to recieve a check from them and it is the second week of August. During the time I had allowed them access to my Mortgage information I was told that they were working on my loasn modification and given a name of the magistrate that was in charge of my account. I called this man twice in two weeks and he never returned my call and the only thing that had happened from the time they were aloowed access to my mortage was them sening a fax saying they had my permission to get information. I do not believe this company wanted to help because if they did, I think they would have done a little more to get information and start the process from my bank. Now all I can say is I want all of my money back including the NSF charges. Can someone help me in anyway to get this accomplished?


More Velahos Law Firm and The National Foreclosure Group Complaints & Reviews

Sort by: UpDate | Rating


  • St
      19th of Aug, 2009
    0 Votes

    they are a sleazy bunch, always promising never delivering.

  • Ro
      24th of Aug, 2009
    0 Votes

    I too have been scammed by the Velahos Group. I have filed complaints with the Attorney Generals Office in New Jersey, also have written to the govenor, senators, and will be filing a complaint with the ethics bar association. They refuse to return my money, so hopefully they will eventually be out of business. That's my goal...

  • Di
      25th of Aug, 2009
    -1 Votes

    I am acutely aware of your situation and file and find your comments untrue and inappropriate.

  • Ti
      31st of Aug, 2009
    +1 Votes

    I too have been scammed by this firm. and are still losing my home. they also work under hope 4 solutions. Jerry santos from the florida office. told to me to make my check payable to my bank but yet my bank didn/t cash the check. they did. i have my own complaint posted under loan modification. im looking into a lawsuit.

  • Wa
      2nd of Sep, 2009
    +1 Votes

    To Direct Knowledge: your firm is unethical. There are other companies out there that are legitimate and want to try and help people stay in their homes. It sickening that there are companies like yours that are taking hard earned peoples money. You deserve everything you get. Hopefully everyone you've taken money from will get together and file a lawsuit against you.

  • +1 Votes

    VELHAOS LAW and The National Foreclosure Consultants Group

    Where did they find their employees? Where did they work before they came to National Foreclosure Consultants Group?

    Here is a list of some employees whose prior job was working for New Hope Modifications, which was a scam company shut down by the NJ Attorney General. Here is the link that goes to the NJ Attorney Generals page that shows New Hope Modifications charges and the owners names.

    New Hope Modifications also faces charges from the Federal Trade Commission

    Federal Trade Commission v. New Hope Property LLC, also dba New Hope Modifications LLC, Brian Mammoccio, and Donna Fisher
    (United States District Court for the District of New Jersey)

    Mike Martone the Vice President and branch manager of National Foreclosure Consultants Group was also the Vice President and a branch manager of New Hope Modifications. (He even sits in the SAME desk, same office, in the same building but now answers the same phone with a different company name doing the same kind of business). Mike Martone is the only person whose last name will be used because he is an executive of both companies and the rest just of the list are employees.

    This is a list of some of the current and past employees. I am not sure the current status of each employee. Links below the employees name lead you to pages that have complaints filed about New Hope Modifications that the employee were involved in. Some of the complaints have the employees’ first name some have there last name.

    (Note: The links take you to different sites not written by the publisher of this website therefore has no control of their contents)

    Employee Position at Position at

    Name NFCG New Hope Modifications

    Chris T Manager Division Manager

    Brian Manager Sale Consultant

    Vincent P Sale Consultant Floor Manager

    Ed C Sale Consultant Division Manager

    Melissa F Mitigator Executive Manger of the Mitigation Dept (The daughter of the owner of New Hope)

    Adam Mitigator Mitigator

    Dan Mitigator Mitigator

    Tanya W Mitigator Branch Manager

    Steve I Sales Consultant Sales Consultant

    Vince R Sales Consultant Sales Consultant

    Drew P Sales Consultant Sales Consultant

    /URL removed/

    James G Sales Consultant Sales Consultant

    Stanley Sales Consultant Sales Consultant

    Gina Sales Consultant Sales Consultant

    Shawn B Sales Consultant Sales Consultant

    Ana G Sales Consultant Sales Consultant

    Vincent C Sales Consultant Sales Consultant

    This is not a complete list of employees just some that might be import to know about.

    It might be important to know many employees that left have not received their pay yet. Some of these paychecks are over a $1000. The company will not return the prior employees phone calls as to when they will receive their pay. Some of these checks are over 2 months late. There has beencomplaint’s filed with theNJ Dept of Labor Relations on behalf of some of these employees.

    National Foreclosure Consultants Grouphas no affiliation with New Hope Modification.

    Here are some things they do have in common though:

    1. The branch office that National Foreclosure Consultants Group is operating out of what was actually a branch office of New Hope Modifications

    2. Both of these branches have the same branch manager that sit in the same desk answering the same phone.

    3. They use the same computers, faxes etc, the office did not change. Some of the employees are even in the same desks.

    4. Notice the employees and notice the key positions they held at New Hope Modifications and what they do at National Foreclosure Consultants Group

    5. Notice everything mention is in the name National Foreclosure Consultants Group because that is who they are employed by not Velahos Law (that is who you are doing business with)

    This website was compiled from other sights by an ex-employee that just wanted what was rightfully owed to them. Their paycheck!!! The company says they take pride in themselves on being moral and doing the right thing, but they don’t even pay their employees what was owed to them. Is there a reason they can’t pay their prior employees?

    We want our pay we earned.

    This site will come down when we get what we earned.

    Is National Foreclosure Consultants Group a law firm? I would check.

    Is Velhaos Law firm a law firm? Yes.

    What does your contract say? Does it say Velahos Law Firm or National Foreclosure Consultants Group?

    When you write a check is it made out to the law firmor National Foreclosure Consultants Group?


    are two different companies. National Foreclosure Consultants Group is incorporated and own by Efthemios D Velahos

    What happens if National Foreclosure Consultant Group closes? Does Velahos have any liability? Isn’t this why people incorporate thing under different names? IF ONE CORPORATION CLOSES THERE IS LIMITED LIABLILTY.


    This is in no way to say NATIONAL FORECLOSURE CONSULTANTS GROUP is a scam company or that they won’t do what they say. This is just to give you some collected information about the company and the employees they are willing to hire so you can make an informed decision on whether you want to do business with them.

    If Efthemios D Velahos is a good and moral lawyer why would he do business with so many people known to have worked with the scam company? They operate out of the same building with an employee’s family members charged and arrestedfor running New Hope. Is it because, it is not in his law firm’s name?

    Call your bank and ask for a loan modification. If you need help go to you state website there are usually free consultant that will help you.

    The publisher of this page reasonably believed the information to be correct, shall not be liable for any errors, inaccuracy or omission of any information. This information is a collection of different sources compiled together and is not the opinion of the publisher. The publisher does not know the current status of all the employees as to whether on not other employees left since last informed or whether or not more New Hope employees have been hired.

    This is your sidebar. Here you might say a little about yourself or what you'll use this site for.

  • 0 Votes

    To see where they got their employee's go to

  • Nf
      22nd of Oct, 2009
    +1 Votes

    Look at all these complaints - I have mine also about the misleading, salesperson speal all to just get your money and not delivering. Why are they still in buisiness? I've called the Attorney General of New Jersey and took the name of the Attorney General, they said they had multiple complaints against The National Foreclosure Consultant group. Then why are they not shutting them down??? I called the New Jersey Police who said I'd have to file a report with my local police in my state who would then contact the New Jersey Police Dept. I will post a photo of the person from NFCG (who is setting us all up for financial disaster) when I get one, and I will.

  • Lo
      11th of Nov, 2009
    0 Votes

    So you're an ex employee who didn't get paid and you're saying bad things about the previous employer? How original. Since it's online it must be true. Are we all really that stupid.?

  • Je
      13th of Jan, 2010
    -1 Votes

    I too have been put through the ringer. I started this process back in May-June '09 and was promised that my payments would nearly be cut in half or at least a quarter and my interest rate would be cut in half from 8.50% if I agreed to pay the $2000 up front. Also that this would happen within 6 weeks. Well, I got one phone call in August, after 10 of mine to them, that informed me that my loan was being looked at by HSBC. They also told me to go on line and I could keep up with the process...never worked. I called, they never called back, I called, they never called back. Sound familiar? Finally after New Years, I said enough is enough. I called Vince C. and told him that what happened to all the promises and how do I get HSBC off my back? They are sending me letters, dropping my escroll and finally paid my taxes.
    After repeated calls to Vince, since no one else seemed to care, he voice mailed me and told me that they had already settled with HSBC months ago, could not understand what happened(only time I agreed with them) and that they got me a 5.25% interest rate, my payments dropped from $1047 to $775(not to bad) and he would get the ball rolling for me. Well today he calls, now they want another $750 to lock this rate in!!! What the hell was the $2000 for? When I complain he says, "Well you can turn down the mod and loose your home!" If he were here he would be picking his ### up off the floor!
    How the hell can businesses take people to the cleaners like this? Is this not America? My son is across seas fighting for this country...I hope it is worth fighting for. I will not pay another dime. We need to get together and get this company shut down. Who can we write to to fight this? Seems like there are enough ex employees to get this started. I am broke!
    I will be writing back after Vince sees this, hopefully, to see if he comes through. Evidently, someone there is monitoring this page.
    Cedartown, Ga

  • Je
      15th of Jan, 2010
    0 Votes

    Update...I recieved a call from Vince Centrone today (1-15-2010)telling me that they indeed did get a mod approval back in October, that I was notified (lies, never notified or called), and since I did not make a payment, I was denied by HSBC. He then informs me that for another $1000 he can get it back. A-maz-ing. This is how they are getting people. They never call back or make contact unless you run them down.
    Cedartown, Ga

  • Do
      18th of Jan, 2010
    0 Votes

    am another one who was ripped of by this company; I gave them U$ 2500.00 for a service that never happened. When they first contacted me, they were all niceand told all the good things that could help, even that my 2nd mortgage be cancelled and my 1st dropped to half!! Such an illusion!!!. It has been almost a year and nothing has been done. Chris Foti is the one that spoke with me first, whenerver I call him, or either his voicemail is full or he has an stupid excuse and never calls me back.

  • Je
      25th of Jan, 2010
    0 Votes

    Does anyone have info as to how we can start a law suit against this bunch. I won't have much time to look due to moving from my home of 15 years. I have demanded my $2000 back but once again, they go quiet on me. Good luck to any of you that has been scammed by them. Tell everyone you can and write to every web site, info site, state offices, senator, BBB, attorney general will not help. I have written to them and with not any help from any of them. Good luck.

  • St
      28th of Jan, 2010
    0 Votes

    National Foreclosure Consultant Group / TNFCG / HOPE 4 Solutions / Velahos Law Firm is doing business under multiple organizational names. Purpose is to help struggling homeowners save their home from foreclosure, but they don’t, and you end up screwed. If you have been taken by these people please file complaints with the BBB, Attorney General, Ethics Committee, add the Bar Association.

    Office of Operations:
    49 Newton Avenue Woodbury, NJ 08096
    47 Cooper St. Woodbury NJ 08096
    5000 Atrium Way St 3 zip 08054
    Mount Laurel, New Jersey


    No longer active

    Better Business Bureau Rating (D-F)Rating:

    Multiple Complaints:
    /URL removed/
    /URL removed/
    /URL removed/

  • Di
      4th of Mar, 2010
    0 Votes

    Good golly. What a bunch of fakes.
    I just read the letter from the bloke that gave his checking acct. routing number to the people mentioned above.
    That story mirrors my own.
    I have been robbed, flat out, no one to help me.
    My bank (Bank of America) blames me, for compromising my account information.
    The word, let there be no doubt, is...SCAM.
    - - - - - SCAMMERS - - - - -
    Thanks to this site for getting the word out.
    Steer clear. NFC Group is out to prey upon the unwitting.
    Your money is their only objective.
    Morality, ethics, and social justice are simply not part of the business model.
    People in this group are amazing lawyers in that they manage to keep themselves out of jail, and their website, business (?) open.
    Steer clear.

  • St
      9th of Mar, 2010
    +1 Votes

    scam artists took my money and never done anthing that was promised, and all top of that they was suppose to take in payments and took money to soon and caused me to have overdraft and insufficient funds to my account, never would return my calls and have yet to give a refund, its a wonder somebody hasn, t got hurt, i say ### them!!!
    steve alexander

  • Ro
      16th of Mar, 2010
    0 Votes

    I was scammed last year from these people. I am now losing my home. the did nothing for me and will do nothing for you. Now that I'm moving I will have time to get some things rolling. But will need help. Anyone affected by these people need to call the attorney general in their own state. If you look at E. Velahos' bio he has contributed thousands to many groups in New Jersey. I'm sure that's why it is so hard to get anyone in that state to assist. That's why it is so important to file the complaint in your own state. Also, contact everyone and anyone, the BBB, State bar assocciation in New Jersey, and the ethics committee. There is strength in numbers, maybe if enough people complain they will actually do something. Closing them down isn't enough for me. These men, Velahos, and the Foti's need to spend some time in prison for this. I'm sure the men that are already in prision will love them.
    We are Americans and have rights. Last time I checked, it was illegal to steal from people.
    Let's get them. Anyone who wants to join me, contact me at

  • Di
      18th of Mar, 2010
    0 Votes

    My advise, also, is to google the BBB, New Jersey, as it is incredibly easy to file a complaint there, too.
    They have the tools to get stolen money back to where it belongs. -m

  • An
      23rd of Mar, 2010
    0 Votes

    I have also been scamed by this company. What makes me so sad is that I told my neice and nephew about them and backed them up. I also told a great family friend about them they took their money and they lost their home any way! I feel so bad for this. after a year I am still trying to get a refund. we got a Modifacation for them to look at I faxed over a copy to Gina Dean for her to look at and advise us on WE HEARD NOTHING! then I called called e-mailed still nothing. I did all the calling to our lender and they did nothing BUT fudge the numbers on a work sheet! when I heard nothing from NFG or Gina Dean I worked with my leander and they asked for current paystubs and work sheet. so of corse as I had I gave them what they wanted. I got a call from my leander asking me to go into a local branch and meet with their fraud dept so I did and they told me or Modification was not going to approved because NFG had given them faults docs and we would have to start all over again and would probley be denied. We have alreday put in over a year and now to start over. These people are such ### I really don't know how they sleep at night! I will not give up on trying to get my refund! Keep trying people and for those of you that have lost your homes my heart aces for you and you are in my thoughts and preyers! truely Anna From Elma

  • Al
      4th of Jun, 2010
    0 Votes

    The National Foreclosure Group and a group of theives and liars. Ethemos Velahos LLC is one of the most dishonest theives I have every dealt with. They steal money from your checking account. This is one of highest forms of racketeering I have every seen. Anyone that has dealt with this group and wants to file a class action lawsuit and federal charges against them, please e-mail me at Alexandra McClanahan

Post your comment