Investors Finance Inc. -HOMR Program review: Scam 173

I called [protected] for my refund and case status and they told me that they will be contacting everone individually in next 5/7 business days with details.
Atleast now we have someone to answer.
Thank you very much for all your efforts on this and hope will receive my refund immediately.I have applied for this program in April and if they have not yet sent the proposal to buy the note and get the results in next 4/6 weeks I may have to look at other available alternatives.

I paid $795.00 by certified check in April 2010 .Can I also request for refund .

Now is the time for all to act:

Call for your full refund NOW... IFI's number is [protected] & [protected] . Don't allow them to put you off with some orchestrated delay in a supposed refund procedure.

If they are not charging for the same service you paid for they are in direct violation of the LAW and you are due your refund in full IMMEDIATELY!

If they don't give you a full refund immediately then do as I recommended before and contact the following:

contact the California State Attorney General's office to file a complaint.

The complaint website is http://www.ag.ca.gov/consumers/general.php DO IT NOW!

Also, there is a "Watchdog" at a San Diego television station... KUSI News... Michael Turko. He specializes in exposing fraud. Since Investors Finance, Inc. is located in San Diego it would be a great avenue to pursue.

Michael Turco's contact phone number is [protected] his website is http://www.kusi.com/features/turko

Danielle Cervantes... a Journalist at the San Diego Union Tribune [protected]

She is a on the "Watchdog" team of the newspaper and investigates companies that are under suspicion of fraud. Complaints should be called in immediately.

Hey... Mike Monaco... whey the sudden change in your business model... NO more UP Front Fees? Starting to feel the heat?

How soon are you going to refund all of those HOMR clients who have already paid?

Unless you do... (refund all past clients) it sounds like you built the business on the backs of the distressed homeowners just as I described in earlier posts!

Heads up to all of those HOMR clients… put in for your FULL refund immediately...

Looks like our efforts to stem the tide of fraud are beginning to pay off!

Question though... what’s the catch Mike Monaco and why haven't you posted a full refund policy yet?

Mike Monaco just confirmed the illegitimacy of what he and IFI were doing...

IFI HOMR CLIENTS... DEMAND YOUR MONEY BACK (IN FULL) NOW!

It appears Mike Monaco will say anything to get the focus off of himself... Send IFI the requested documents and then do the following:

contact the California State Attorney General's office to file a complaint.

The complaint website is http://www.ag.ca.gov/consumers/general.php DO IT NOW!

Also, there is a "Watchdog" at a San Diego television station... KUSI News... Michael Turko. He specializes in exposing fraud. Since Investors Finance, Inc. is located in San Diego it would be a great avenue to pursue.

Michael Turco's contact phone number is [protected] his website is http://www.kusi.com/features/turko

Danielle Cervantes... a Journalist at the San Diego Union Tribune [protected]

She is a on the "Watchdog" team of the newspaper and investigates companies that are under suspicion of fraud. Complaints should be called in immediately her

When we first signed on, we were asked to send funds to IFI through pay pal. For some reason pay pal would not allow the transfer of funds to them and then we were asked to pay IFI directly by credit card or money order. So, yes, we did pay IFI and this was when Wendy Alvarez became known to us. I totally agree, my husband and I will send in our documents, I guess it was a simple enough request, they need to know that we do have the funds to bring to the table if and when there is a closing. USMAC is the law firm that we were contacted by and they have been operating under that name for several years. I just don't understand why IFI says they were never associated with them when it was obvious that they were a retail agent working on their behalf.

Heather... Investors Finance Inc is a wholesale operation... I explained it in an earlier post. They signed on businesses as their retail agents to secure clients like you. Each of these business agents are probably in the same boat you are as they have clients constantly inquiring about the progress with Investors Finance Inc.

I have no idea who the people are that you reference above as my research has been on Investors finance Inc.(IFI) Who did you pay when you signed up for the HOMR program? That is who you should go after. According to their website IFI claims to have hundreds of lawyers and agents bringing them customers and have set up this network nationwide.

Mike Monaco is a liar of top of everything else because a wholesale company should know exactly who brought them the client (you). Maybe they (USMAC) operated under a different agency name when they sent in your file... he more posts I read the more I realize he needs to be reported to all of the authorities for his actions.

The focus here is IFI and Mike Monaco... he and his company need to be stopped and the only way is send in your complaints to all of the authorities. The list or resources is in this string of posts... DO IT NOW!

Also make sure you send in all the documentation IFI is asking for. If you don’t then they have an easy out and can blame you for the failure of their HOMR service. Force them to perform… the truth will always com out in the end…

One thing that really bothers me is the role that the law firm USMAC played in all of this. They were the ones that contacted me originally and then became impossible to reach. Mike Monaco said that IFI was never involved with them, so how come they were the ones that got all our paperwork together and turned the file over to IFI ? USMAC has had serious problems before, you can read about them here on complaints board and their dealings with loan modifications through a lawyer named Christian Dillon. There are too many red flags here, people that I have spoken to that are now MIA (Debra J. at USMAC, Wendy Alvarez at IFI for starters). Since IFI did not want direct contact with their clients, we were supposed to go through USMAC which was totally impossible. There are so many unanswered questions and strange circumstances, since we started this process in February we have been left scratching our heads. If this is a legitimate program, it certainly hasn't been handled like one. I can not believe that any respectable business would ever be this sloppy. I am speaking as someone that was desperate to save my home and did this as a last hope. There are so many scams out there, it is disgusting, my friends in Michigan paid $, 4000 for help saving their home, they did nothing and my friends had no choice but a short sale and lost their money too. The people that are doing this need to be stopped, I don't know how they can even live with themselves. One other thing, when Debra Jay first called us she told us our new mortgage would be a certain amount, we even signed the papers agreeing to the terms, she suddenly disappeared and when I called her number I was told by a guy named Randy Tulley that she was on vacation. As far as I know, she never returned from that vacation. When the affirmation papers finally came from IFI, the monthly mortgage and interest rate was going to be way higher. Bait and switch came to mind. I have not sent any paperwork back to IFI since the latest phone call, I was told how much to bring to the table at closing and was asked for another slew of documents. My husband and I feel so negative now with the bad experience that we no longer believe this program will help us. We were fully able to afford this house until we refinanced with Countrywide to get some equity to put into our business, we had no idea we had purchased one of their infamous negative am. loans, that was the beginning of the end as our payments went through the roof. Our house has been stolen from under us and it seems there is nothing we can do anymore.

One last point... Mike Monaco was the principal in a company called Sub500 Mortgage. He claims to have been an advocate for the disadvantaged borrowers by providing mortgages to individuals to who had FICO scores under 500... Are you kidding me?

Well guess what people... it was lenders like Mike Monaco who contributed to the chaos and collapse in the housing market by providing mortgages to individuals who should have never qualified in the first place. When borrowers with a demonstrated inability to pay their bills are your target market what does that make you... a savior or a vulture?

Any story can be spun and Mike Monaco appears to be a master weaver!

Desperate people are primary targets for vultures in this market. If I can save one person from the fraud being perpetrated on the American public then it’s been worth my time.

Flipo… go to IFI’s new website and listen carefully to their new EVP claiming…”the favorite part of my job is seeing the faces of the people when we’re able to save their home”.

QUESTION: How many files has IFI collected fees on and how many successful HOMR clients have been “saved”? Have you noticed that there isn’t anything on the IFI website that answers this extremely important question (www.investorsfinance.net) look for yourself.

Mike Monaco… “proof up” and show the actual loans you have successfully purchased on behalf of those HOMR clients who have paid you their hard earned money.

Is everyone out there just completely missing the point. IFI is claiming to do something that has not been done. They are trying to build a business on the back of desperate homeowners. If Mike Monaco is so confident in his ability to “change the world” then let him do it with his own money… then and only then… offer the service to the public… but…he’s not… and that is why its called fraud!

Pedro… I’m not selling anything and do not claim to have an answer. I’m just tired of the lies and decided to speak out! Do what you wish with your money!

In the loan modification business fraud went on for years before the authorities stepped in and shut them down. IFI is still under the radar because they are small, the Principal Reduction Sweat Shops are not yet prolific and there have not been enough complaints filed against IFI… but their time will come.

The DRE, California State Attorney General, Feds and local and national media have all been contacted and one day soon... justice will be served.

I am awaiting a verdict on HOMR. I want to believe, but waiting for proof now-either way-con or pro.

Because I am now concerned about another program, I would like to open this discussion so I can get feedback from others. It is a Law Firm in Salt Lake City that is filing a "quiet title action" in Federal Court against banks alleging that between 2002 to 2008 loans were securitized and sold as stocks and bonds. The banks made many times over the original loan amount and they are challenging the right of the lender to get paid from both ends, among other issues. They say they have had 100% success with 22 clients already settled and 350 close to settling. Their settlements thus far have been for below current home values. Due to confidential clauses in the settlement there is only the court filings as proof and people's word until they get any bank to go to court, then it becomes public knowledge. They check to make sure that the client's loan fit the parameters before taking the case.
Does anyone know if this a viable premise for a lawsuit? I appreciate any help. I have a few clients who want me to sign them up for program, but I am committed to not further hurting those already having a hard time.
Thanks for your help.

I'm not forgetting anything I wrote coach, but have come to the conclusion that this has to take time to get done. Most of the problem is the time factor. It is the lenders that hold things up, not Mike Monaco.

And like I said, the lenders are starting to cozy up to the pooling to loans. why wouldn't they, with another 5 million forclosures comming down the pipe soon.

Let me say I have nothing against mike Monaco or IVF, But i do have a program that will stop the foreclosure precessdead in it's tracks(California only-No upfront fees), and a principle reduction program All 50 states with NO UP-FRONT FEES Period!NONE Zero

Get in touch with me flipy1234@yahoo.com I promise you won't be disappointed!

Hey Coach, I am about to submit my deal to IFI today. They have not been shut down by the Feds, so... I am starting to think that you might be selling something.What is it? What are you selling. Maybe you have a better Idea for me? Why would the feds not have shut these guys down. Why would they have been in business for all this time and be willing to accept my money today if they were a scam. I have read a lot of good feedback about IFI. After reading all this stuff this Monico guy seems to be a stand up guy and is helping people. If a trustee sale happens to my home I cant blame IFI, they are not attempting to stop the Trustee Sale, They are attempting to buy my non-performiong note. Maybe you should loss the tuff guy attitude and do some research on what you are telling people. Seems to me that you are looking to scare people into something that you are selling. Give me your number so I can get your sales pitch directly. I know you have the time...if you can sit around and scare people all day. If you are so sure that IFI is a scam, send me some evidence so that I can sign up on your plan and not IFI.
The reality Coach, I think you are a liar.

Hey Flipo,

Why the change of heart? Remember your earlier posting? Just in case you forgot... you said ...

"What happen to the 66 million dollar package you submitted to the lenders in April, per their press release. Alot of yack, and no shack. Say something Mike Monaco!"

Monaco never replied... I wonder why?

Wake up people. Investors Finance Inc. is marketing themselves as a company that can secure a Principal Reduction on behalf of Homeowners... just like the Guardian Group… they haven’t done one in their eight months of existence. Have you noticed the one they claim to have accomplished is not posted on their website!

Mike Monaco has a history of fraud (check the previous postings). You don’t test a business concept on the backs of distressed homeowners. You prove you can do it with your own money and then offer the solution/service to the public.

Your comment “the lenders are starting to cozy up to the idea” is a joke. What does “cozy up” mean in the business world… please explain.

Would you pay a loan officer an origination fee to see if they can get you a mortgage? Would you pay a real estate agent a commission to see if they can get you a home? No... a service provider gets paid for a successful service rendered.

In addition, Mike Monaco has no proof that he can do what he says he can do so why is he taking peoples money? Investors Finance Inc. is a public company (IVFI) that isn’t trading and Investors Finance Inc. is a company that isn’t performing… just like their stock!

Call the FEDS now!

Yawn--Coach I agree that there might not be any hard evidence of IVF closings as of yet. This is a new program that the lenders are starting to cozy up to. However you have no hard evidence that it is a scam either.

I think you have it right to tell people to be careful and cautious, BUT you have no right or excuse to tell people to call the DA and file complaints and bad mouth this company, and spread terrible things about them on "Your Guess" and You Think They Are".

Wth all the trouble that Gaurdian Group has now with the law, I find it hard to believe IVF would attemt to do the same thing, knowing what the implications would be, with the tough laws in California, and the way the Attorny General is cracking down on fraud.

So quit being a know it all and give them a chance to prove themselves or not.

Both common and business sense... this isn't rocket science!

You seem to have missed one of my original postings... take the time to read th following and it may open your eye to reality.

Here are the questions that need to be asked and answered:

1. Does the business model work?
2. Can you track the progress of the ongoing negotiations with the institutions?
3. How many of the existing clients have had their 1st notes successfully purchased?
4. How many existing clients have had their 2nd notes successfully negotiated?
5. What institutions are participating with IFI where success can be demonstrated?
6. Why has IFI not focused on the institutions they claim to have a relationship with?
7. In other words… WHERE ARE ALL THE PRINCIPAL REDUCTIONS?

IFI is supposed to be providing a service that performs with some level of success… not experimenting with an idea that may work. Especially in consideration of their target market… “Distressed Homeowners”. They are not individuals with extra cash lying around to “give it a shot”… they are as defined… DISTRESSED.

One last question:

9. Who is the Investor in Investors Finance, Inc.?

Answer:
The Distressed Homeowner is the actual “investor” putting up their personal money… in the form of fees charged.

Problem:
In a traditional business model “investors” usually get a piece of the business they’ve invested in. CLIENT FEES should not be in place to develop a business concept and determine its viability.

Coach- what are your credentials, seeing you have all the answers to something you think is a scam?

Also make sure to report any complaints to the California Department of Real Estate Mike Monaco is a licensed Realestate Broker

http://www.dre.ca.gov/cons_complaint.html

and the Better Business Bureau

http://www.bbb.org/us/Consumer-Complaints/

Just made a call and yes the company Investors Finance in Onterio is the same company as the one in San Diego.

Just another business agent pushng the same program...buyer beware.

Read what I wrote before... Investors Finance, Inc (IFI) does not deal with the public directly so the company advertising directly to the public is more likely than not a Business agent advertising under the IFI name...

They should be reproted as well!

Complaint Resources:

1. California State Attorney Genera; http://www.ag.ca.gov/consumers/general.php

2. Danielle Cervantes... a Journalist at the San Diego Union Tribune.
"Watchdog" team of the newspaper and investigates companies that are under suspicion of fraud. [protected]

3. Michael Turco's contact phone number is [protected] his website is http://www.kusi.com/features/turko

I wonder if the Investors Finance here in Encinitas is the same as in Ontario, Ca... I contacted a company called Investors Finance in Ontario Ca @[protected] & [protected] that sounds very similar to the above described company after hearing a presentation they had on a Spanish radio station. When I said I was in San Diego the woman said that they didnt have offices in San Diego that I would have to drive up to Ontario. I just called her today and havent given her any info but decided that I would do a little research on the company. I did a yellow pages search and could not locate the company in Ontario only the one here in Encinitas. I also searched for them in the BBB website and could not find them. Maybe its not such an intensive research on my side but it was enough to discourage me from calling back or driving up there.

I am not passing judgement on IVF or Mike Monaco, I don't know. But there is a principle reduction program available that works, and there are No Up-Front Fee's. Let say that again, No Up-Front Fee's. If anyone is interested in more details, please contact me at: fipy1234@yahoo.com.

Once again, No Up-Front Fee's peroid.

Because the scam is new and there have not been enough complaints made to the proper authorities

Complaint Resources:

1. California State Attorney Genera; http://www.ag.ca.gov/consumers/general.php

2. Danielle Cervantes... a Journalist at the San Diego Union Tribune.
"Watchdog" team of the newspaper and investigates companies that are under suspicion of fraud. [protected]

3. Michael Turco's contact phone number is [protected] his website is http://www.kusi.com/features/turko

DO IT NOW!

This is incredible. How is it possible that he is still doing business ?

Superior Court of California - County of San Diego: Online Services: Case Search for Michael S. Monaco... Principal @ Investors Finance, Inc.

This man has a history of Fraud!

http://www.sdcourt.ca.gov/portal/page?_pageid=55, 1056871&_dad=portal&_schema=PORTAL

Case Number Party Name Matches Opposing Party Case Location Case Type Date Filed
Last Name requested: MONACO First Name requested: MICHAEL Search Result Page: 1

IC783806 MONACO, MICHAEL FIRST FUTURE CREDIT UNION San Diego Civil 02/26/2002
IC752950 MONACO, MICHAEL SOLOMON GRINDLE SILVERMAN & SPINELLA San Diego Civil 08/11/2000
GIC880181 MONACO, MICHAEL COLDWELL BANKER RESIDENTIAL BROKERAGE COMPANY San Diego Civil 02/14/2007
GIC852397 MONACO, MICHAEL KING, JEANETTE B San Diego Civil 08/15/2005
GIC814508 MONACO, MICHAEL HASTINGS, DEANNA San Diego Civil 07/17/2003
GIC799555 MONACO, MICHAEL OVERTON, CHARLES San Diego Civil 11/06/2002
GIC772672 MONACO, MICHAEL GE CAPITAL COLONIAL PACIFIC LEASING San Diego Civil 08/16/2001
GIC738292 MONACO, MICHAEL SALAS, CONSUELA M San Diego Civil 11/05/1999
684500 MONACO, MICHAEL JOSEPHSON, JACQUELINE C San Diego Civil 01/11/1995
37-2010-[protected]-CU-OR-CTL MONACO, MICHAEL US BANK NA San Diego Civil 08/16/2010
37-2010-[protected]-CL-UD-CTL MONACO, MICHAEL DOUGLAS, CLIFFORD San Diego Civil 06/14/2010
37-2009-[protected]-CU-OR-CTL MONACO, MICHAEL SANTALUZ MAINTENANCE ASSOCIATION San Diego Civil 11/23/2009
37-2009-[protected]-CL-BC-CTL MONACO, MICHAEL FAIRBANKS VILLAGE PLAZA CO San Diego Civil 08/31/2009
37-2009-[protected]-CL-BC-CTL MONACO, MICHAEL FAIRBANKS VILLAGE PLAZA CO San Diego Civil 08/31/2009
37-2009-[protected]-CU-BC-CTL MONACO, MICHAEL THEME FAMILY LIMITED PARTNERSHIP San Diego Civil 07/24/2009
37-2009-[protected]-CU-FR-CTL MONACO, MICHAEL MONACO, MICHAEL S San Diego Civil 02/20/2009
37-2008-[protected]-CU-BC-CTL MONACO, MICHAEL VAZQUEZ-ELIAS, ERNESTO San Diego Civil 11/18/2008
650031 MONACO, MICHAEL ANTHONY MOSES, ROGER San Diego Civil 03/25/1992
L596298 MONACO, MICHAEL R CITIBANK SOUTH DAKOTA, N A San Diego Civil 10/15/1997
IC783806 MONACO, MICHAEL S FIRST FUTURE CREDIT UNION San Diego Civil 02/26/2002
IC783806 MONACO, MICHAEL S FIRST FUTURE CREDIT UNION San Diego Civil 02/26/2002
IC783138 MONACO, MICHAEL S SMITH, J REED San Diego Civil 02/14/2002
IC738487 MONACO, MICHAEL S AMERICAN EXPRESS-TRS COMPANY INC San Diego Civil 11/10/1999
GIC761146 MONACO, MICHAEL S METROPOLITAN MORTGAGE AND SECURITIES CO INC San Diego Civil 01/23/2001
GIC746203 MONACO, MICHAEL S CIVITAS BANK San Diego Civil 04/04/2000
37-2010-[protected]-CU-BC-CTL MONACO, MICHAEL S JOSH PROPERTY ACQUISITION LLC San Diego Civil 07/19/2010
37-2009-[protected]-CU-FR-CTL MONACO, MICHAEL S BAER, DAN W San Diego Civil 02/20/2009
37-2007-[protected]-CU-BC-CTL MONACO, MICHAEL S BAYVIEW FINANCIAL LP San Diego Civil 12/04/2007
IC752950 MONACO, MICHAEL STEVEN SOLOMON GRINDLE SILVERMAN & SPINELLA San Diego Civil 08/11/2000
GIC738292 MONACO, MICHAEL STEVEN SALAS, CONSUELA M San Diego Civil 11/05/1999
37-2008-[protected]-CU-BC-CTL MONACO, MICHAEL STEVEN MOLINAROLO, BRUNO San Diego Civil 10/23/2008

We are doing the short sale, we realize it is the best choice. we were hoping Investors finance would be able to do something, they are our last hope.

yes heather the think is most people wants a modification but they dont see the amount in they home, some peolpe can affor a payment with a modification cuz still too high or the type of the loan.
thats why people now wants to sale they home in a short sale.
with the program (HAFA)with this program u can sale ur house for less than u owe and when u home its in escrow u recive up $3000 dollars and u credit only affects for 2 years.but at this time u can buy a house

we did get approved for the HAMP program, but with no reduction in principal and the house way under water, the deal was not going to work. The payment was still going to be high on a loan that would still be way more than the house is worth.Thanks for your input though.

the only program offer u a principal reduction its a short sale, the D.R.E of california said becarful with those company who tell u they can do a principal reduction or they can do a modification in ur home for 2% for 30 years fix.the government approved these programs HAFA, HAMP, HOME AFFORDABLE, most banks had their owen modification programs here is some REPAYMENTS PLANS, FORBERANCE, INHOUSE MODIFICATIONS, INVESTORS MODIFICATIONS BASED ON HAMP.AND MORE...
If u had a question u can contac me at juan@rgrealestate.us

Thank u i hope everything its fine

Heads up...

I just spoke with Danielle Cervantes... a Journalist at the San Diego Union Tribune.

She is a on the "Watchdog" team of the newspaper and investigates companies that are under suspicion of fraud.

Complaints should be called in immediately her # is [protected]

Mike Monaco needs to be held accountable for the fees collected by Investors Finance, Inc. If he is legitimate he should be able to stand up to investigation.

DO NOT WAIT TO CALL…

I just got one of those calls. Thanks for the info.

Thanks Coach with your info... IFI has hired 4 new staffs just to make phone calls out to paid clients reaffirming them on having their escrow money ready to close shortly. This is a strategy to calm the clients/retail chain/public down to buy more time. Consider no results for over 90 days for some of these clients. They are demanding answers. Pretty smart move but Mike show some results or refund the clients, period.

After a little investigation I discovered that Investors Finance, Inc. operates on a wholesale level and has their business agents (the retail market) bring in the clients (distressed homeowners). Investors Finance, Inc. is paid directly by the homeowner so... Investors Finance, Inc. is the compamy that should be pursued.

The best thing to do... contact the California State Attorney General's office to file a complaint.

The complaint website is http://www.ag.ca.gov/consumers/general.php DO IT NOW!

Also, there is a "Watchdog" at a San Diego television station... KUSI News... Michael Turko. He specializes in exposing fraud. Since Investors Finance, Inc. is located in San Diego it would be a great avenue to pursue.

Michael Turco's contact phone number is [protected] his website is http://www.kusi.com/features/turko

Anyone who feels they have been victimized by Investors Finance, Inc. needs to take the time to contact both the California State Attorney General and Michael Turco. DO IT NOW!

Another type of scam from Investors Finance. Investors Finance is contacting people who are working with legitimate mortgage companies and pretending to be affiliated with that company in order to obtain information. Leaving messgages like

"You need to talk to me before your mortgage can be finalized"

Do not talk to these people. Complaints have been made to the CT department of banking. Stay away from this company they are the lowest of lows in the mortgage industry.

Thanks coach, your input is great and much appreciated.

Note: The post by Connie in LAs Vegas... IFI's assumed "single successful note purchase" attempts to place fear into those who want to post on this topic and potential scam by declaring the IP adddress of those that post has to be given out... NOT TRUE! The followling is is the "Complaint Board Privacy Policy"

Protecting Your Privacy
During the registration on the Site, we collect "Personally Identifiable Information", such as your name, postal address, telephone number, e-mail address, or other information that can be used to identify you or contact you.

•ComplaintsBoard.com will not share any of your Personally Identifiable Information, except for the information you choose to publicly disclose in the complaints, comments, questions, groups (the posts) you submit, with our advertisers or any third-parties for marketing purposes.
•ComplaintsBoard.com offers email anonymity & takes up to protect your identity.
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The Coach!

I applaud your common scense and wish you the best.

After some more investigating it seems as though IFI was or is doing business with an escrow company but after talking to someone at the escrow company we found out that they have opened files but they were never funded and IFI has not closed any loans through that escrow company. Files are opened but nothing happens.
We're gonna hold off.

Remove the emotion from your decision and ask the questions I recommend in my previous post... You are hearing what you want to hear and as a result are falling victim to those who choose to prey your desperation.

You may want to save the following link

http://ag.state.nv.us/newsroom/press/2010/Sinclair%20Sentencing.pdf

The Nevada State Attorney General contact information may prove to be useful... Good luck!