After doing some research on this firm I decided to engage them at the end of June 2009 to handle my loan modification with CitiMortgage. It was my understanding that this was an ACTUAL law firm (meaning actual lawyers, and their clerks). I had to pay them the $2950 up front in order for service to start. Of course, I didn't have $3000 lying around, so they suggested that the money come from the next 3 mortgage payments that I would have made. I questioned this and was told by Mr David Allen that this is what they were telling all their clients AND that the mortgage company couldn't file any updates to my credit report because, under the FCRA, I was filing for a loan modification.
At this point I was feeling desperate because CitiMortgage was charging me an exorbitant mortgage rate, the payment DID'NT even include an escrow, and I had been borrowing on my personal credit just to make ends meet until that was running dry. My credit rating was already taking a hit because of a few missed payments here and there, as I was trying to make the mortgage payment a priority.
At any one time I NEVER got updates from Dunn Russell unless I called them several times. And even then I just got a runaround from one assigned 'processor' after another. I was told the loan mod would take no more than 90 days but by Nov 2009 (which was just at 90 days) the 'Trial Period' payment had at least just begun. This was to be a 3 month period of time afterwhich CitiMortgage would send me an offer of a permanent new rate.
After I made my 3rd payment (Feb 2010) I got mail from CitiMortgage that the original documentation for the loasn mod had never been received by them. (that is another story about the complete NON-efficiency of CitiMortgage). I called Dunn Russell to find out about this and was greeted by their bankrupcy voicemail.
In Aug.2009 I hired these ###! I paid them $2995.50 They told me theywould be preforming a" Forensic Audit" they would restrusture my loan, they could extend it to 40 yrs and get a lower interest rate, they would have there attorney analyze my info and make sure I was eligable, because the dont accept cases they can not win.The next evening around 5:30pm I was told by Debbi Metcalf Dunn Russell's office in Orange Calif. She said they would take my case and I was looking at a 40yr. 3%-4% and payment would come down to 920.00 including escrow. I started getting the runaroundin sept. they wouldnt call or email they'd come up with excuse after excuse they switched SR. procesors four times and each of them would need me to refax my paperwork telling me it was incomplete, I told them I dont uderstand how that is possiable I have sent you the same papers 4 Freaking times. Be paitent this is a long process and takes time, I went into default, I faxed them the info they told me its ok . Next Im getting foreclosure papers Im coming unglued and want my moneyNo one would return my calls or my emails the next processor Robrt Tiva yes your home is being forclosed but in doesnt have a sell date, I told him I dont want it to get a [censored] sell date. My next processor is KimA. she plays her game with me and I call Steve dunn he has his turn playing the same game I call Brian the Attorney and yes now its his BS . Here is the Kick me in the teeth. on Feb. 9, 2010. Oscar D Torres Jr. my final Bullsh***er. Tells me the modification has been approved it will happen in a week or as soon as I fax him the updated doc. my lender needs he sent all the info. via email just follow the instrutions( Im thinking Oh my god is that the light at the end of the tunnel I was hoping for)? so I get all the doc. im taking them to work to fax on tuesday but I need to ask 1more question so I call and Hear"" You have reached the former office of Dunn russell..blah blah. Im saying oh god please .Have any of you received the notice in the mail they said they would be sending or know how to check if and when they filed. I am SO MAD!!! GOOD LUCK to everyone who as I Trusted these Azz*****.