Loan Modification Complaints & Reviews

Loan Modification — unreasonable mod refusal reason

We have applied since beginning of 2013 for mod. was given a forbearance payment schedule. after 2 mo we were...

Loan ModificationBogas tactic

I applied for keep your home Calif. program after Ocwen loan servicing kept making and retaining errors regarding my account in late 2013. Back in June 2013 I was approved with keep your home Calif. principal reduction program Ocwen knew of this and quickly granted me a loan mod. before the state re issue a mandated revise loan mod. which would not require a balloon payment after loan was paid in full. At the time I was coming off unemployment and working self employed and during well. later I was force by Ocwen to sign a note stating that a balloon payment would be due with no dollar amount on note. This was their first tactic.
Again I was approved by keep your home calif. and I was told by Ocwen on Jan. 17, 2014 with the relationship manager that all doc's were received regarding the loan mod. needed to go forward with the hard hit fund and that I would be contacted from my new hard hit fund relationship manager. Later that month, I called to speak with this hard hit fund relationship manager, no answer and no reply back of countless emails sent over from Ocwen customer service reps..I called twice a week for updates and to speak to this hard hit fund relationship manager but I never got an answer. Recently I spoke with a manager stating items were missing (roommate agreement, rent receipts) and that my file was incomplete. I uploaded these items the following day. I called back within three days to confirm that my file was complete, a manager confirm all items were received on April 2, 2014 . Which means there is no reason for delays, to continue process my file with Keep your home Calif. ID #821530
Today I called for updated info. and asked once again to speak to the hard hit fund relationship manager only to be told that the file was close. And that my loan mod. was denied, reason valid proof of primary residence . I supplied every possible documentation a human being provide and more. Ocwen stated that the credit report they pulled on Jan. 30, 2014 shows best known address as out of state., but also shows current home and p.o. box address. My response was or you kidding me credit reports or know for inaccurate info and I have not apply for credit since 2008 which all three of my credit reports shows this. They told me to send them a copy of my credit report and stated to them that why don't you send someone to home of sixteen years to confirm my living status.tactic not to half to deal with the state program. below our my complaints.
This letter was dated January 3, 2014
Sender's Name : DANA MOODY
Sender's Email Address : [protected]@YAHOO.COM
Reference Number : [protected]
Message : I have made two payments on my acct. one on Dec. 16, 2013 other on Dec 31, 2013 why are they not posted to my acct.? My acct. should not be behind due to your recent denial of my loan mod. in august 2013. I was told that I would half to start all over again. and the payments on 1377.49 would probably change. which this error took 60 days to complete in late October or November the denial was reverse and the mod was approved. This account has numerous errors. I am dispute the number of months owed and due to your negligence handling of my account.
This letter is dated January 20, 2014
Sender's Name: Dana Moody
Sender's Email Address: [protected]@yahoo.com
Reference Number: 012014
Message: this would be my second request for someone to look into the numerous errors that ocwen has placed on my account. now my account is five months past due. this is due to a approved loan mod. dated June 25, 2013, than a denial dated august 28, 2013. than a recon deration dated October 28, 2013. but account was never adjusted to show time lost due to countless errors. I made three payments in Dec. 2013 all were rejected. looking for my account to reflect mistakes and a new relationship manager who inform me of errors.
This is my third compliant regarding Ocwen force tactics, which are racketeering, breach of contract, unfair debt collection practices, overcharging my account along with bogus service.. Today April 12, 2014 I logged into credit reporting menu on Ocwen web site only to discover a retaliation against me. for filing complaints across the nation. Ocwen have added a additional $3400.00 to my account balance and reporting to the credit bureau misleading late payments. I spoke with Rajeshwari on April 9, 2014 relationship specialist regarding the hard hit fund which began processing on January 15, 2014. Rajeshwari told me to forward a credit report and the hard hit fund would be reopen. Well that was not the case. Instead Ocwen is trying to stick me a un feasible trail plan. On April 12, 2014 spoke with Suketu, relationship specialist, who have stated that the hard hit fund was denied, but could not offer any reason for denial. I have been mislead by Ocwen regarding my account. Ocwen continues to justified the loan modification as being approved on terms of raise to payments of $600.00 more than what I was originally paying.

  • Dana Shafman Apr 15, 2014
    This comment was posted by
    a verified customer
    Verified customer

    Hi Dana,

    Thank you for posting the complaint as I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.

    It pains me that you have fallen victim to the unfair, deceptive and abusive practices of Ocwen (the current biggest offender in the industry) but you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. You were kind enough to email your complaint ahead of time so that we could share it on the air today at www.TheDailyComplaint.com and I know you have helped others just by doing so today.

    With regard to your specific complaint, you certainly identified a number of substantiated violations that I feel would be best received by Kamala Harris, California's Attorney General, initially and that's where I would start but I would not stop there by filing complaints with HUD as well for RESPA violations. It appears that you have already filed complaints through the CFPB and I would stay on top of the responses because they can and should be disputed.

    END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

    I would be happy to elaborate for you or anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

    Every new beginning comes from some other beginning's END!

    Dana Shafman
    END Consulting
    Phone (888) 234-7006 Ext 101
    [email protected]
    www.TheDailyComplaint.com

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Loan Modification — Loan Modification

I can not believe what has happened to me!! I HAVE BEEN MOST DEFINETLY SCAMMED !!! I was told that my...

Loan Modification18 Months of loan modification hell!

My Time Line of Modification Process with Bank of AMERICA! A FANNIE MAE LOAN!
18 MONTHS OF LIES LIES LIES!!! I WAS NEVER LATE UNTIL I ASKED FO HELP!

July 20, 2009- Faxed an authorization letter to BOA for XXXXX to be authorized on my home loan(see authorization letter that was faxed attached) to help in the communication process with BOA. I had made several calls to BOA prior to this day to get help from the home retention department with my home loan and became frustrated with the communication process. XXXXXXX is a real estate agent who is familiar with getting necessary information communicated. We authorized her with a fax..

August 20, 2009- FAXED financial information and loss of income letter to BOA per their request while speaking to a representative on the phone. I also faxed (again same one faxed as stated on July 20)) an authorization letter(included her name and contact.) to BOA per their request to have XXXXXX authorized on my loan to help me in the communication process with BOA. I wanted her authorized as I was so stressed out about trying to keep the payments up on my home that I didn’t communicate well over the phone as I had tried to talk to BOA several times prior and was treated rudely. XXXXXXX is a real estate agent who helped me purchase this home. We were told to look for modification packet in the mail as that would be the next step after providing BOA with all the information they requested via FAX on this day of July 20, 2009.

September 11, 2009- LOOK at the history on my account for THIS day...I spoke with a male BOA representative who PRE-Qualified me, (after getting all my financial info for the SECOND time), for a home modification right over the phone!(What happened to prior info I gave to BOA on August 20, 2009?????) I had to re- FAX all financial info on this day as there was no record of prior info sent in...

He told me on this day to start making MODIFIED payments of $711.76 (1/3 of my income) He said if I made a payment in that amount for him today that would be my first of 3 TRIAL PAYMENTS and I would receive my modification paperwork in the mail shortly thereafter. I MADE the payment that day! My account was never later prior to this day. I had been borrowing from friends and family to keep my head above water and I welcomed the modified payment. I asked him right THEN what would happen if I was denied later on after making 3 trial payments of $711.76 starting on this day. He said DO NOT WORRY that I was QUALIFIED for modification as I had faxed in a loss of income letter, financial info, etc that met the criteria for me to qualify for modification thus lowering my payment TODAY!...I specifically asked and so did my authorized person (Terecia Skipper) what would happen and we were told we would receive paper work packet within 30 - 60 days and not to worry as I was qualified already. The BOA representative did stress to me it was important to make the modified payments ON TIME...

October 5, 2009- Spoke with a BOA representative by the name of Corby. She said that I was ON THE LIST for modification and that it did show her that my September and October modified payments had been received. I told her I had ALREADY been pre-qualified in July and she told me it could take up to 90 days more for me to receive my paperwork!!! I asked my authorized person (Terecia Skipper)if she had heard anything via E-mail or phone and she had not.

October 15, 2009- Received a notice that stated my October payment had NOT been received. Tried to call and waited on hold for 15 min. I had to hang up...

October 16, 2009- Called to check about receiving paperwork and about notice received yesterday...Waited on hold for 15 min. Spoke to BOA representative by the name of Queenie. She said that she could see in my history where BOA had requested documents on August 20, 2009. I told her that I had submitted info to BOA on July 20th, August 20th and Sept, 1 and then was asked by BOA to Re-submit that info on Sept. 11th along with my first modified payment and that is what I did. I asked her if what I had submitted on September 11th via fax had been received yet and she said no, but that it could take an additional 30 days to receive the information...WHY??? Why would it take BOA that long to get information that was FAXED over a month ago???? BOA had lost my info from July and now I’m worried my info from Sept. has been lost again.

I’m frustrated at this point because I never can talk to the same person when I call in and have to explain to each new BOA rep that I talk to what is going on with my home loan. I have to ASK each representative to LOOK at the history of my account so they can see what is going on and I have to ask them to please make notes on my account for future reference. I have cried and have had many sleepless nights at this point. Also asked why I did not receive a statement in October for my payment and I was told that while making trial payments and waiting on paperwork I would not receive a loan statement every month.

October 27, 2009- 10:00 AM- COLLECTION CALLS START!!! Missed call...Called back and after 3 attempts of waiting on HOLD for minutes at I time I finally get through. I have made 2 modified payments at this point. Was told the total passed due amount owed was $1461.39. I again explain to the BOA collection rep that my account is in modification. BOA asked if any other phone #’s were authorized on my account? I told them about (Terecia Skipper) being authorized. I also told them I spoke to BOA on Oct. 5th and was told my paperwork could be another 60 - 90 days!!! Told to continue my modified payments.

October 28, 2009- I missed a call(collections) at 1:53 PM from BOA. I called back at 2:45 PM and waited on hold 20 min. and got no answer and had to hang up... I have a cell phone only with limited min.

October 29, 2009- Phone rang at 2:46 PM- I saw the number and recognized it as BOA(collections) and when I answered, no one was on the line...Called back and waited on hold for more than 20 min and had to hang up...Between today and yesterday 40 min of my limited phone minutes were wasted.

October 31, 2009-Phone rang at 1:53pm(collections)...Missed call again but tried to call back. The same # that had tried to call me the prior 2 days. Waited on hold for 15 min so I called back and tried different categories on the menu...NO OPTION to speak to ANYONE...Just options to make a payment or promise a payment. I wanted to speak to someone as I had missed the prior 2 collection calls. No category for collections just for Home Retention department only([protected]). I just could not understand why they could not look at my history and see that I was making modified payments and waiting on paperwork...It was all NOTED on my account!!!

I called again at 4:00 PM and was sent to collections! After argument and many tears with a rude BOA representative I made another modified payment for OCT! I had already made one payment online on the 1st and the rep argued I must make another payment. I DID but told her that would be my modified payment for NOVEMBER and would be my 3rd TRIAL payment.

November 18, 2009- I’m getting worried...I have had collection calls, a lot of tears, frustration and explanations to collection reps and BOA reps about waiting on paperwork packet and explaining I have already been pre-qualified for modification...SO I call BOA...I spend 29 min on the phone with BOA representative Darlene only to be told that my previous paperwork that I faxed in (that had been LOST once and then re-submitted again)...NEVER was submitted to the right department for REVIEW. My paperwork was NEVER sent to the right Department is what Darlene tells me...I tell her I was pre-qualified in September and told I had no need to worry as I qualified and was suppose to have received paperwork shortly thereafter. Darlene says she can see the history on my account and this is how she knows that the paperwork never got to where it was suppose to go. My loan is NOW in default $2222.93!! She also tells me that I need to re-authorize Terecia Skipper at [protected]@bankofamerica.com.

Nov. 24, 2009- Called to check on paperwork...Spoke to Leslie...She told me my paperwork had been SUBMITTED for review! YAY!! :-) Leslie said BOA should Fed-X paperwork packet to me soon...:-)

December 7, 2009- Once again I am calling to find out about my home loan. I waited on hold for 11 min and Jeanette answered. I told her that there was a notice on my home loan online. In my workout history online, it stated my home loan was APPROVED for modification. I told her that I had actually been approved way back in July. I did tell her that I just saw the notification online when I logged into my BOA account. Jeanette then tells me that when she pulls up the history on my account that she sees that my loan went into the modification process on December the 4th!! WAIT...What! I have a notation online that I am approved...I was told in July I was approved and now I am being told it went into modification on December the 4th...She also states that on November 21st she sees that they updated my income information. I guess that the last call on November 18 got my financial info where if finally needed to go.. Jeanette tells me to continue to make my good faith payments and that I will receive my paperwork packet in 90 -120 days...I am so frustrated and confused at this point.

January 8, 2010- Called at 11:00 AM to find out about my home loan. I am very worried. Spoke to a BOA rep by the name Danielle. She is in the advocacy department and tells me I am speaking to the wrong department and transfers me to the Home Retention Department at 11:01 AM. At 11:05 AM~ Christian answers the phone. I tell him to check my history and that I should have received a paperwork packet from BOA. He tells me I receive my home loan statements every other month because I am actually making a partial payment. He also tells me I should increase my good faith payment from $711.76 to $711.83 per a glitch in the system. He states that even that slight little difference in payment makes my good faith payment where it really should have been in the first place so I let him know that my next payment will be that much. He tells me to CONTINUE to wait on my paperwork packet and to make good faith payments on time and in the full amount...

I have now gone from a modified payment, to a good faith payment, from approved to being in the process of being approved...Im so confused and I think back to Sept. 11, 2009 when I was told by a BOA representative that I had nothing to worry about as I qualified per the criteria guide lines and started my modified payments that day after faxing in necessary financial information. I was under the assumption the packet I would receive would be the paperwork for me to sign so my loan statements would reflect my adjusted payment...

February 20, 2010!!!-11:20 AM Called to find out about paperwork packet I should be receiving. Waited on hold for 10 min. I was told it could take 120 days to receive modification paperwork. The representative marked my account as concerned PER my request...

March 5, 2010- RECEIVED a paper via snail mail from BOA stating that my financial information HAD BEEN RECEIVED!! (See copy of paper from BOA attached) YAY! I am told I WILL receive my packet soon!

May 15, 2010- 12:20 PM- I call BOA to find out about my paperwork packet as it has been 2 months since I received their notice. I speak to BOA rep by the name of Carolynn. She tells me that on my account she sees that I have been APPROVED!! :-) She tells me Rose Relaford is my workout representative and I would receive a call from her very soon...

June 30, 2010- Around 9:00 AM, I hear my phone ring and I hurry to answer it and no one is on the line when I say hello...I don’t recognize the number so I listen to the voice mail...I missed a call from Rose Relaford, my workout representative from BOA just called me and I missed her call!!!. In her voice mail she tells me that she has NO FINANCIAL information for my account and that I must re-submit it!!! Once again I am told I must re-submit information that has NOT changed...My financial information is STILL the same as it was the first time I submitted it! I was crushed. I began to just cry and cry. I have gone from being approved over and over again, to being told I would receive paperwork soon, and NOW BOA has absolutely no information of mine...:-( I look at the phone number and tell myself I will call Rose back and explain that something must be wrong. When I get through on the line...it is the GENERIC line for the home retention department not a DIRECT line to Rose Relaford...Why did she not leave her phone number in the voice mail?????????????????????????????...I am told by the BOA rep (Nekeisa) that she cannot give me a phone number for Rose Relaford. I don’t understand why???????? I told her that was the workout representative assigned to my loan and that I had just missed her call and it was imperative that I speak to her...Nekeisa tells me the only thing she can do is send Rose an email and let her know that I called in. Nekeisa also tells me that Rose noted my account that I must RE-SUBMIT financial information. I told Nekeisa that this will be the 3rd time in a year that I have submitted the SAME information. I told Nekeisa to please send Rose an email and tell her to please CALL ME BACK again...

July 1st, 2010-1:40 PM.- I was hoping that I would have received an email or a call back from Rose and I didn’t so I call again today...BOA representative Deborah tells me she will send another email to Rose Relaford to contact me via phone or email. She also tells me that my account was noted by Rose to re-submit my financial information. I tell Deborah to please look at the rest of the notes on my account to see what I have been thru in the past year and to let Rose know via email that it is imperative she call me again...Once again I can’t help but be frustrated by the fact that for an entire year I could not talk to ONE person about my account! Now that the ONE person who was assigned to be my workout rep had called and I had missed that call that I have to start completely over with the whole process again. I am so beaten down by this process all I can do is cry...I tell her to please code my account with my concerns...

I also go into my home loan account online to check my workout history...The notation that stated I had been APPROVED for modification that was there in December of 2009 IS NO LONGER ON MY ACCOUNT!!! I send an email to BOA requesting that they re-post past information concerning my home loan workout process BACK to my account!!!

2:50 PM- I am so upset that I call BOA back just to see if information I am asking the BOA rep to post to my account is being posted like I ask them to...BOA rep by the name of Tina answers my call. I ask her to look at the history of my account and tell me what she sees...She immediately tells me that my account shows...WAITING ON MODIFICATION PAPERWORK TO BE MAILED TO ME!!! I was like WHAT????? I said REALLY???? The representative IMMEDIATELY and rudely said “No wait No wait! let me look at the history!” I told her please do and I’m thinking to myself this is why every time I have called in the past I was immediately told to just keep waiting because the reps would just glance at my account even though I told them I had been waiting forever and they would not check the history. I then ask her if she sees a record of my previous call at 1:40 PM and she says she sees nothing there...Once again I think to myself if the reps are not putting on my account my concerns no wonder when I call all they can tell me is that paperwork should arrive soon...I have told them to please write in my concerns and record of my call every time I have called BOA! I tell Tina to submit yet another email to Rose Relaford and to please tell her to call me again...

3:10 PM- Called back again! I just wanted to see if messages were being put on my account about my concerns. I’m so frustrated and upset...BOA rep by the name or Marissa answers and for once someone is also concerned about the process I have been through...I tell her in a nut shell the history you are reading right now...She doesn’t understand why this has happened but asks me kindly to resubmit my financials (how many times does that make now???) and explains the BOA will be paid by the government to help me. She told me that emailing Rose Relaford to call me back is not going to work. She said she herself could not even contact a workout rep by phone to pass on info. I think this is crazy and another reason the ball got dropped over and over again for a year...I told her I didn’t think it was fair that my info was lost over and over again. She said that they cannot use financials after 3 months. Once again my question is if once I submit them, why, in the past, has it taken more than 3 months to get to correct department. She tells me she is submitting to correct department today...I have been told this before. I am on the phone with her from 3:10 PM until 4:20 PM resubmitting financial info!...Once again I wish I could get back all the phone minutes I have had to pay for from talking with BOA over the past year. I tried several times online with my mortgage to get info through message center(see attached paperwork) but they always told me in return messages that I had to Call in. Marissa tells me at the end of our conversation that she is turning in my financial info and I should receive a modification packet soon. I hang up the phone and I am ridden with anxiety and grief as I am back to square one and wonder if I will ever get any paperwork.

July 12, 2010- Just shy of ONE year since I started the modification process with BOA I receive a paper work packet in the mail!!! I have until August 8th to send in the info that I have basically submitted at least 4 times.

July 19, 2010- I receive a call from BOA representative Marcel...She is checking to see if I received the paperwork and asks me if I have any questions...I ask how long I have to get it turned in and she tells me until August the 8th and I tell her I am working on getting it filled out and gathering necessary financial documents.

July 28, 2010- Sent paperwork packet back to BOA in a pre-addressed FED-X envelope...I have copies of all paperwork sent just in case it is LOST again.


Myra E Deleon
Living on A Prayer...


August 3, 2010- Missed a phone call yesterday morning at 8:00 am...It was BOA of course...When I tried to call back it’s the same # as always that just connects you with a CSR and of course they cannot connect me with anyone that can help me...I sent in modification paperwork on July 28, 2010. I would like to think the phone call was possible good news that they had received the paperwork...I go to my online bank account and this is the message have in an email there today...

Account: Mortgage-xxxxxx

Important Message about Your Loan

Our records reflect that you have a past due late charge balance of 185.07. It is important that you clear this balance at your earliest convenience.

What This Means

As provided in your loan documents, you agreed to promptly pay a monthly payment on the debt by the due date. The terms of your loan documents also state a late charge will be accessed if a payment is not received prior to an allotted grace period. Because a payment was received after your grace period, a late charge was assessed. A monthly payment generally consists of principal, interest, and any late charges that may be due. If an escrow or impound account exists, for the payment of taxes and insurance, the full payment amount must also include these items.

What You Need To Do

You can verify your late charge balance due by viewing the Account Details page.

To remit your payment, you have options from which to choose:
A. You may include your late charge balance with your next payment due by using our easy and convenient online MortgagePay on the Web service. To access this service, click on the Pay Now link on the Account Details page.
B. You may send a check in the amount of the current late charge balance or you may add this balance to your next monthly payment, designating that the additional amount is to be applied to your late charge balance due. Please be sure to include your loan number on your check.


Why late charges now when I have never paid them in the whole year I have been making modified payments??? Do I dare call BOA today????

August 7, 2010 Received a letter of intent to accelerate...Called BOA at 1:30 PM. Waited on hold for 10 min...I Spoke to Cathy...She says my modification was closed out in July, 2010. That was when I was told to RESUBMIT Financials on the phone!!! She tells me I am in no workout status at all now...There is no record of any of this time line for her to see even though I ask every representative to please record everything. No record of me submitting info on the phone on July 1st...No info of modification packet being sent out to me on July, 12, 2010. No record of it being returned to BOA on July 28th that should have been received over night... THEN this Cathy wants me to resubmit financial information OVER THE PHONE AGAIN and start the process all OVER!!! I hung up...A poor way to do business...

Called back at 2:00 PM...Spoke to Crystal...Made her take down all info about dates I received the modification packet, when I returned it, the address I returned it to etc...She told me...and I have heard this a million times... told me it could take 120 Days after sending in paperwork!!! Ha ha ha ah aha ha ahahahahahahahahahahahahahahahahahahahahahah!...I also asked her why after 8 months (stopped getting collection calls in Dec of 2009) of not receiving any phone calls and collection notices that all of the sudden I get them again????? I have not received late notices, statements, pass due statements, collection calls since Dec of 2009...She told me that during the modification process these type things will continue. I told her I was told they would stop by another representative...Stayed on phone for 20 min vehemently telling her to put NOTES on my account...

August 8, 2010- Received another letter to accelerate...Same exact letter as yesterdays so I didn’t call as I had already discussed this yesterday and was exhausted after hanging up the phone yesterday.

August 12, 2010 - Received a collection call from Linda at 8:00 AM. Told her I Fed-Ex modification packet to home retention department in TX on July 28th 2010. Told her I had been in modification process since Sept 11, 2009. Told her collections on my account just resumed in August of 2010 after not having any collection calls since Dec of 2009. She told me collection calls would ALWAYS continue and I told her AGAIN that they did NOT continue for me, that I just started receiving collection calls again after not getting them since Dec of 2009!! I received them for 3 months after submitting my first modified payment ($711.83) on Sept 11, 2009 and then they STOPPED! Linda TOLD me that I needed to cash in CD’s 401 K’s and to borrow money from family or friends to make the payments on my home. I told her I had borrowed from family and friends prior to making my first modified payment in Sept. Of 2009. I could no longer do so and told BOA on Sept 11, 2009 and that is when BOA TOLD ME to start sending in modified payments. I asked her to please write on my account that SHE ASKED me to cash in CD’s 401 K’s, savings and to borrow... She would NOT note my account that SHE asked me. She wrote on it that I offered her this information...I did not OFFER this information to her. I find it quite disturbing that a BOA collections representative would actually ask a customer to do these things. I told Linda I had been faithful at paying the modified payment of $711.83 (the first amount was actually $711.76. It was increased on Jan 8, 2010 to $711.83 per BOA rep Christian) since I was asked to do so on Sept. 11, 2009. Linda also asked me if my financial situation was still the same and I tell her, yes. She asked me what my original reason for asking for modification was and I told her I had LOST income way over a year ago and was getting ready to lose more! It was at this time that Linda said she was going to give me the phone # to the Retention Division...I said WHAT? She said she would give me that # so I could find out the status of my account. I told her that I was NEVER before offered an alternative # to call. I had been transferred before and I had asked for #’s so I could call back and talk to the same person and was always told no. She said they just started giving out that # about a week ago...She said she would transfer me to that # but to write it down in case we got disconnected.. The # she gave me is [protected] Home Retention Division.

Linda also asked me to make a payment today and I told her that I had made my modified of $711.83 for August on the 1st of August. I again told her I had been making that modified payment since Sept 11, 2009 while waiting on my modification to be complete. She asked me if she could go ahead and schedule the payment for Sept 1st and I told her I schedule my payments with online banking and she asked me if that is how I always make payments and I told her yes. I did NOT deny payment I just told her I could not make another one until Sept 1, 2010. September marks a whole year I have been in this process...She transfers me to Home Retention Division...

8:15 AM- Transferred to Home Retention and Amanda answers the phone. I tell her I have been transferred by Linda to her because she can give me info of the status of my account. She also tells me collections will continue and I go into that whole situation explaining to her that they had not continued. I tell her I am concerned about the 2 letters to accelerate that I have received and what I should do if they do not scan my paperwork in before Sept. 1st as the paperwork states I could go into foreclosure. I tell her what I have been thru for the past year and she gets an attitude and wanted to hang up on my but instead put me on hold and transferred me back to Linda’s department so I would have to go through the process of waiting for someone there to answer and transfer me back to the retention department...She did not realize Linda gave me the # to Home Retention so I just call back again...8:20 AM.


8:30 AM- I get thru again to the Home Retention Dept and speak with BOA Rep Bernice. She tells me the paperwork I sent out on July 28th to the Home Retention Division in Texas has not been scanned into the system yet and could be awhile before it does get scanned in...She made it a point to ask me if I Fed-Exed it in and I told her that I did. She says I should speak with the HOPE department about my paperwork and gives me that #...Yay!!! I get another Phone #. After not getting phone #’s for almost a solid year I’m excited. She gives me this # [protected] Hope Department...I try to call but have to wait until 9:00 AM.


9:16 AM...I call the hope department and I speak with Rep. Marquetia (sp). She sounds very young and quite bored with the whole process...I tell her I am calling to find out about the status of my modification. She tells me nothing has been processed yet but if I sent it in on July 28th 2010 that it could take awhile before it gets put into the system. I tell her to please note my account that I called to find out about my modification. I can tell I’m not going to get anymore info from her. She tells me to continue to wait and that it could take several weeks for info to get entered..

August 19, 2010 ~ 4:16 PM- Phone rings...9088.55 due on home. Sandy is the representative that I speak with...Calling to collect a debt...Acceleration set to expire on Sept. 1st...My next payment is promised for Sept. 1, 2010...Sandy says she will escalate my loan again as things have taken way too long... She tells me to wait 72 hours and call..[protected]...Ask for CAST. Tues. August 24th mid-afternoon...Sandy says she escalates my loan to Mrs. Whitlock. To get more in depth information on it...

August 20, 2010- Received a call at 8:20 AM from BOA collection Representative Monica...Of course I hear the whole bit about my loan being in default and I think to myself that I honestly cannot believe that they can’t look at my history prior to making a call. I understand they have to call but they could at least look at the history so when I start to explain that they can understand a little bit of what is going on with me...I have asked every person I have spoken with in the last year to. Imaged into my account she found the pages of paper from Home retention Department in Houston Texas. Making Home Affordable department...[protected]. Transferred me to to Making home affordable at 8:44. Was cut off when transferred...(22 Min)


8:48- I called back...wait on hold till 8:51...Representative Chantel, is going to transfer me again to the correct department because even though I dialed the Number that Monica gave me it routed me to the generic BOA # at [protected]. Chantel says it’s because that department was closed but she has an inside line to transfer me to. She could not give me a phone number (LOL) but could transfer me...8:53 I am transferred to an inside line to the phone Number that Monica gave me...(5 Min)

Alex (with making home affordable I assume) answers to phone at 8:55 and tells me he can see where my paperwork was received and it’s on its way to the underwriter. Could take awhile to get there...I explain my situation and he states again that my paperwork has been received. I ask him what he received and he goes thru a list. He aks me if I was in the military and I say no...I wondered why he would see military info on my account. Anyway I ask him if when the next collection agent calls if I can tell them it is waiting to be sent to the underwriter and he said yes...
Call ends at 8:59 (4min).

August 23, 2010 Monday-8:35AM- Collection Representative Bert called...After talking and explaining she gives me another # to MHA...[protected]. Advises me to call that # on Monday the 30th as that will be one month after turning in my packet to find out what is going on with my loan..Phone call lasted 15 min...

August 25, 2010 Wednesday 5:22- Raymond called...9088.65 owed and Collecting debt...Told him to please pull up the notes on my account after he kindly asks me WHAT I PLAN TO DO WITH MY HOME. After he pulls up the notes he can see I am waiting on MHA to process my loan. I tell him I will call MHA on Friday the 27th if I haven’t heard anything by that time...The # that Bert gave me on Monday is the same # that Raymond suggests for me to call... He thanks me and hangs up...Call lasts (8Min)

8:35 Daniel calls me back...less than 5 min later...

August 26th 2010-. 4:37 PM- Veronica called from collections and told me 9088.65 due on my loan...I asked her to pull up the notes on my account so she could see that I am in the making home affordable program. She says her deal and I explain mine...Of course collections calls are going to continue...I understand that but the BOA rep that calls me they should be pulling up notes attached to my account before they even open their mouths...They should do this with all accounts they are calling to collect as they have no idea what is really going on with the account unless they look at info attached to it. Call lasted (5 min).


At 4:43 I call back to ask for CAST dept as advised by Sandy on August 19th but the #[protected] she gives me dials into the home retention divisions generic...Not surprised!!! Calvin answers 4:48. He tells me he is going to update my account that no foreclosure or anything like that can happen. He transfers me to home retention...BACK TO SQUARE ONE on hold with MHA...

Arlette answers at 5:00 PM...put me on hold to read my notes...Comes back at 5:03 and tells me she can see that my entire packet was received...and it is still waiting for the under writer. Arlette is sending an email to the under writer and also making them aware of the acceleration set to expire on Sept. 3 She apologizes for everything that I have been thru...Call ends at 5:09 (9min).

6:50- I missed a call from Daniel...I saw it when I came in from outside...He left a voice mail saying that he had all my documents but needed to ask me a couple questions about some info on my account.

8:05 PM -I call BOA and Brittany answers she says that it is documented on my account that I need to send in HOA Statement and Disability statement (these were sent in with the packet I sent on July 28, 2010 ?????) She gives me a number to fax them to [protected]) and to send them as Attention Daniel...I am not sure what it is they are really wanting since I already sent this info so she transfers me to the MHA department again...8:10

8:25- Heather answers and tells me they need this info because what they have may be outdated or lost...I tell her there is no way it could be lost...I am so frustrated...She acts unconcerned when I tell her I just sent that info in on July the 28th of this year. I tell her I need to talk directly with whoever can see my paperwork in front of them...So she puts me on hold and then comes back and asks for my phone # as Daniel Wolfley (whom she says is my workout representative) is going to return my call in about 5 min...call ends at 8:34...(approx 30 Min Call)...

8:37 PM- Less than 5 min later Daniel calls me back(8:37) He clarifies to me that I need to send in info about how long [protected]@G plans to pay me disability and wants to know if the HOA statement I sent was quarterly statement. I ask him if he happened to have read the time line that I sent in with my paperwork and he said that he did but I hear uncertainty in his voice. He makes a statement that he has to go online to open up all the documents that came with my account but that he did read it. I tell him I feel like I fell through the cracks somehow with having been in the modification process for a year. He seems a bit agitated that I want to discuss what I have been through. I tell him I am nervous about faxing him any information as in the past it has been lost! He tells me the fax # that was given to me goes directly into his mail box. I ask him how long I have to get him the documentation from my former employer and he says A MONTH! I tell him I would go through information I have hear at home and if I did not have what they needed I would contact my employer and would make it a point to get it to him in a couple of days...He thanks me and we hang up... Call ends at 8:47 PM (10Min)

August 27, 2010 - 5:50 PM- I receive a deed in lieu in the mail so I call to tell them I am in the process of a modification and their system is down and they take my phone # and tell me they will call me back.

FAXED [protected]@G document to Daniel at 7:00 PM...

7:24 PM Called BOA to see if I can speak with Daniel my workout representative. I speak with BOA representative Michael and I have him document on my account that I faxed in the last requested piece of paperwork to Daniel at 7:00 PM tonight...Michael asks me what # I faxed the document to and what the document was. I tell him it was a document stating the length of time my employer plans to pay me disability and that I faxed it to [protected]. He tells me that because it went to Daniels personal fax line that he cannot see it scanned onto my account. He tells me he has documented what I asked and that he will also email Daniel Wolfley to let him know that I called in...Call ends at 7:29...

August 28, 2010 1:55 PM- I am at a festival on Sat. and later in the day I notice I missed a call from an Unknown # at 1:55 PM...The only unknown # that has called me recently was my workout representative from BOA. I assume I missed a call from him...NO voice mail to let me know what the call pertains to and no return # to call back but this is typical of BOA.

August 30, 2010- Monday...I call BOA MHA office at 11:10 AM today only waited on hold about 30 sec.. Jacinda. Answers the phone and goes into the whole spill about the intent to foreclose etc...I tell her I am in the home modification program and that I am calling to see what notations she can see on my account as I missed a call From Daniel on Sunday and wanted to know if he had put any notes on my account...She can see that on Sunday (Aug 29-10) the account was coded as sent to the under writer...That either means that the last piece of paperwork I sent was all they needed or...it means NOTHING! I asked her to shoot Daniel an email and let him know I had called and to please return my my call and to also note my account that I had requested she do this...The call ended at 11:16

September 2, 2010-8:38 AM-BOA Calls and it tells me to hold as they have an important message and then the phone line goes dead...I call back and the damn recorded info cant understand my responses and tells me to wait on a representative...Finally I get BOA representative Chris and he tells me my loan needs more documents sent in...NOOOOOO...I tell him I faxed the last documents requested gives me [protected] and tells me he is going to transfer me to this #...On hold at 8:50 AM------The recording tells me at one point to press 5 to leave a message for a home retention rep to call me back within 48 hrs...I press 5 many times trying to leave a message and it never lets me leave a message it just continues repeating the same message over and over...

9:00-AM -Representative Laquica answers...I go thru the whole spill and she tells me the account has all necessary paperwork and is on its way to the underwriter... 30 minutes of ### and lost phone min for me this morning...

September 8, 2010-Wed.- 6:10 PM Chung Millien answers my phone call as I missed hers at about 5:35. She left a VOICE MAIL with return # and extension...WOW! She asks me a couple questions about my financial information as far as child support, scana income and SSI for my daughter and how long they will lasts...She tells me that she will submit information to compliance and they will make a decision as to weather I will qualify for modification or not. She cannot give me a time frame of how long it will take to give me an answer and I will more than likely receive an answer in the mail...I ask her if she can see THIS time line I Submitted and she says no...She can only see notations made in the computer but could see them all the way back to November of last year...I started this process on Sept. 11th of last year(2009)...The call lasts 18 min...


September 9, 2010-Thurs. Latrinda calls at 10:37 AM and tells me everything has gone to compliance. Waiting on compliance and cannot give me a time frame how long things will be in compliance...Only calling to give me a status update...Call lasts 3 min...

December 3, 2010- Placed call to making home affordable # at 9:25 AM Marcella answers
9:29...I explain I am still waiting on an answer from my modification paper work being turned in on Aug 8th 2010 and after getting my info she tells me she is going to transfer me to the status department...[protected]. Transfers me at 9:34. Status dept answers (Jenny) asks me some questions and puts me on hold to check the status of my loan. She returns and tells me the Under writer has completed his review. Approves to go to next step to go to quality review...Goes to government guidelines and lender guidelines...to see what modification will best fit me...Fed-X package with results of review. Trial modification packages. Jenny instructs me that if I have not received a packet by the end of Dec. To call back and ask for status dept...


January 17, 2011...I received a letter from BOA today saying I did not qualify (see letter)for the modification that I was being reviewed for but the letter states that they will notify me in within 10 days as I may qualify for a different type of modification...Im disappointed I didn’t qualify for the first one but the letter lets me know there is still hope. I cant believe this whole process started for me on July 20, 2009. That means I have been in it for a year and a half.

January 31, 2011 2:22 PM- Got a collection call today. Didn’t write down the representatives name...The lady was nice and after I explained about the letter I received she looked at my history and did see that I had been put in for a second consideration. She asked if I could borrow money to make payments, etc. I told her it was BOA that told me to start making modified payments a year and a half ago and that I did not have a problem making the modified payment at all. I just cannot make up the $12, 000 in a rears and I need my payment to stay at the $711.83 they asked me to start paying a year and a half ago. Nice BOA representative...She told me to continue what I was doing.

February - The first week of Feb I missed a couple of calls from BOA. No more than 2. Very early in the morning and I was not up yet...I did not return the calls as I have limited min on my cell phone and I cannot waste them on hold and I knew BOA would call back.

February 7, 2011- Missed an AM call from BOA but they returned a call around noon. I did not make note of the correct time and I didn’t take down the representatives name. It was a basic collection call and I did make the representative aware that I was waiting on something in writing telling me they possibly had another option for me as they told me in the letter I received on January 17 that they would contact me within 10 days to let me know other options. I asked her to check and see if my status still said pending second approval and she said yes.

February 12, 2011 - 10:00 AM. Getting ready to place a call to the # on my loan payment statement that says I am in serious default. Need to know what is going on as I am still suppose to be pending upon second agreement with modification department.

Called at 10:05 AM waited on hold for 2 min.

10:07 AM Natalia answers...ask for loan my number and social security. She advises 10 payments in a rears and all due in the amount of 13, 640.91 Said Notice of intent expired Sept 3, 2010. I ask her to check the account for the second approval pending as that is what I was told on February 7th 2011. Explained to her about the letter received on January llth stating I had not qualified for first modification but that I may qualify for another. Natalia puts me on hold to check the history and when she comes back she tells me that I have actually been assigned to a Negotiator named Nazha Abouzaki. She said that its really great news that I got assigned so quickly. I asked her WHEN I was assigned as I had no Idea when, nor had I been contacted in any way to let me know that I had been assigned. She said I was assigned of February 7th. I talked to a collector on Feb 7th so I must have been assigned shortly thereafter. I am confused as to why I had not been contacted! Natalia documents everything on her end. I told her it was imperative to document that I have been making $711.83 house payment since Sept, 11, 2009 as per BOA request. She told me that she DID make a notation of that on my file. Call ends at 10:18 AM.


Monday February 14- Mary called at 8:00. Was very rude. Just started rambling on and on and when I asked her to please be advised that I need to get to my computer so I could type what the call was about she got snippy and said that BOA does not allow customers to record them. LMAO. I was not going to record the call but type what the conversation was about in my log...lol! She told me that I owe 13, 646.91. I asked her to look at the history on my account and she did see that I spoke to someone on the 12th of Feb and that I had been assigned to a negotiator...Very rude and just wanted to talk over me...Asked me when I planned to make a payment and I told her on MARCH 1st in the amount that BOA asked me to make a year and a half ago...Called lasted about 5 min...

Feb. 17th 2011-Collection call that Im documenting that I missed for some reason and found out after speaking to Alecia on the 23 of Feb, 2011


Feb 22, 2011- 5:13 pm...Looked at my phone and I saw I missed a call while I was in publix...No message left!!!

6:58 Missed a call...Checked voice mail... A message left asking me to call...[protected]. I cannot do this and waste min being on hold as I have a cell phone...

Feb 23, 2011 Wed 12:06 PM Called the number left yesterday on my voice mail...12:14 PM and I’m still waiting on hold...wasting precious cell phone min. Bank of America gets all of my money and all of my cell phone min. 12:19 and still waiting. FINALLY an answer at 12:23 PM after almost 20 min of being on HOLD! Alecia answers the phone. Asked her to check and see if it was my negotiator who tried to call me on both calls that I missed yesterday...I asked Alecia to document that I called to see if my negotiator called to speak with me and she tells me that by the call long that she does not see that it was the negotiator that more than likely it was just two basic collection calls or calls maybe to give me some additional information. Alecia tells me that most . Alecia says she will take my email to give to the negotiator...Call ends at 12:34. On the phone a total of 28 precious cell phone min.

Monday February 28, 2011 - Called BOA at 12:41 PM. Want to ask about PRA (principle reduction alternative) program I saw online and saw that BOA must offer this service...I owe more than my home is worth and I feel this is the next step available since I didn’t qualify for MHA option. I also want them to put in notes in my history that I am on disability and this has had a tremendous impact on my health. 12:49 PM - STILL ON HOLD...On my cell phone on hold...paying BOA to be on hold by using up my precious cell phone min!! Been on hold 12:50 for 9 min now!! “Your call is important to us...With will be with you momentarily.” 12:52 PM. Have now been on hold for 14 min. (12:55 pm). Finally at 12:57 PM and Pat answered the phone! 16 min. on HOLD!! She tells me that I am 13646.91 delinquent! Notice of intent expired Sept 3, 2010. I ask her to check the history and she put me on hold for another min. 12:59 PM now and waiting on her to return to phone line...18 min call so far! 18 min of my cell phone time gone! I am told by Pat that my loan is being reviewed by an under writer for a decision to be made. I tell her to look at my history. I ask her to document I have been in this process since July of 2009 and she goes on and on about it takes time for them to review my info. She doesn’t realize I have been told 3 times this month that I’ve been assigned to a negotiator...A negotiator will want my financial information again!!! This person Im talking to thinks Im waiting to get an answer when she doesn’t realize Im waiting on a call from a negotiator to give financials to see if I qualify for a different program as they denied me for MHA modification. They told me at one time in this process that I was qualified for the MHA program...It had a letter online on my account and everything saying I qualified and I would receive final paperwork...The letter disappeared and then they said I was denied and then I reapplied and they denied me the second time. I got that letter in Jan but it also stated that I could qualify for something else. A different program... 1:09 the call ends after I vehemently ask for what I said to be documented...28 MIN CALL!!! Just to be told that I am basically waiting and waiting and waiting on them to ask me for financial info again...

I SUBMITTED MY TIME LINE TO THE CEO OF BANK OF AMERICA!!! TODAY FEBRUARY 28, 2011...THE TIME LINE THAT TELLS OF 18 MONTHS OF WORKING HAND IN HAND WITH BANK OF AMERICA!!!

6:48 PM -Rosa Ramos...Called from Bank of America the office of the president. I ask her to wait so that I can document the call on my time line. She waits while I pull up my log. She said she is calling because of the complaint I submitted...That complaint was my 18 MONTH LOG!!!She tells me that she is going to submit my loan to a new senior negotiator...In 2 to three business days I will hear back from Ramos with the new negotiator information...She gives me the number to the office of the president from which she is calling! WOW! [protected] Ext 2773. She says she is there thru the Hours of 8 to 5 specific standard time...If I don’t hear back from her in 3 days I can call this number back.. Im floored by this call and it only last 5 min. However I will not believe they are truly going to help me...I think the senior negotiator will only start from square one again and I will go thru this whole process only to be given hope and have it taken away...Today I sat online reading tragic stories of peoples homes that have been foreclosed on. A man in Fla shot himself when they went to take his home...A woman poisoned her children and tried to set herself on fire in her bed. These were the stories that stood out so profoundly to me but there were many others...I also found a website called NACA that I am researching that has a tremendous success rate with homeowners keeping their homes...On the site it even states some homeowners payments have been decreased from $500 to $1000.

March 1, 2011 Tues. 10:55 AM Rosa Ramos calls. Letting me know ...Olene Cuellar will be my Senior negotiator his phone # is714-987-5029. I should call him in 2 days if I do not hear from. This is a direct his line. Rosa Ramos says that he should call me in 24 hours. She also said that Im not starting from square one but he should let me know where I stand on modification process. Call lasted 4 min...

1:20 PM My negotiator calls!!! Olene Cuellar... She tells me that she is my new negotiator as I start to talk to her the timer on my oven goes off. I tell her to wait and she just wants to tell me why she is calling...As I go to check on my oven she tells me that she has been assigned to me yesterday and that she wants to know about the denial letter I got in January. She says Im going to have to send her that letter. I get nervous and ask her to call me back because the oven is going off. She again says I must send the letter and that they will also need updated information and I start to shake as I feel like im going to have to start the whole process all over...I tell her Im nervous and ask her to call me right back so I can attend to the oven. I ask her if she will call me back today or will it be like 10 days or something before I hear from her. And she says she will call back in a half hour...Im a nervous wreck...I hang up the phone...

2:02 pm and I ask her why she was assigned to me and she says it was because I complained!! She got no email of my history at all...I asked her a lot of questions, asked her if she knew about naca, and also if she knew I had been approved. And she tells me that they never followed up with contacting me so she is now assigned and she will stay in contact with me her # [protected]. Email... olene.[protected]@bankofamerica.com. She is sending me a fed-x envelope so that I can update my financials. I can expect to get the mail tomorrow...I asked if it was possible to get a PRA...Who is the investor on my home loan???? She is checking on that...Tell her that I am going to send her and email with my history so she can review it...She stresses to me that she cant reply to emails and she can only review financials...Bank of America refuses to hear the stories of their borrowers. I think they want a copy of the letter that I received in January as they have no record of it and they need one now. Its basically so they can see they denied me and will deny me again... Call last about 15 min.


March 2, 2011- 11:24 AM - Called Olene this morning to ask her who the investor is on my home loan and she tells me it is Fannie Mae!! I had asked yesterday and she didn’t tell me. She answered her phone immediately (shocking!) And she gave me an answer immediately. Olene also asked me if I had received her packet yet and I said no. I should receive soon today she said..


11:52 AM- I receive my package from Fed-X-Of course they want everything I have already submitted several times...I understand them wanting updated financial info like my monthly income but I don’t understand resigning to release my tax info or resubmitting my loss of income or hardship letter...This says to me that all paperwork previously submitted it lost...I have submitted paperwork so many times over the course of a year and a half. Where is the paperwork I have submitted? Who’s office is it in???? Why is it just laying somewhere? Who has access to it? What is going to happen to that paperwork??? I have until March 11th to resubmit my paperwork. I’m calling Olene so she will document that I received the packet...12:03 PM - I ask a few questions and tell her I received my info packet. Olene tells me that it is not necessary to tell them that my income is going to change in the future. I had documented with them the last time that I would have a decrease in income this year. (2011) of course I had sent them that info for the last modification...I was denied. My point is I want to document here that I DID tell they my income would decrease again. I was going to tell them again when I fill out this paperwork but she said its not necessary...

8:34 PM- I just composed an email to Olene. kept a copy of email...(see copy)

March 2, 2011 approx 5:30. I called Olene to tell her that I there is no return envelope for me to send my documents...Sent an email also (see email). During my call with her I found the envelope. I also told Olene that I received a fed-x mail from the executive office of the president and it said it had refered me to her...Just wanted her aware I had received that mail...(see mailing).

March 7, 2011 - 1:18 PM.- I tried to call Olene Cuellar my senior negotiator only to hear a recorded message that said DO NOT LEAVE a message. Our office is moving and the phone lines are down. If you need immediate assistance please call Mario Chicone at [protected] and dial ext 14525. Sooooo I called him and the # SAYS...Your call cannot be completed as dialed please check the # and dial again...I do check it and it is the exact # that is left on Olene’s voice mail that I got when I called her...I was calling her to tell her she forgot to send me an RMA affidavit like I filled out in all my previous modifications and that it also states to send a Utility bill and I need to know the years on my taxes they want as I haven’t filed yet this year...I assume that means electric bill but I want a direct answer. Now I’m faced with a real problem as the whole modification packet is due back per her date on the request by this Friday March 11th. The address on the return envelope is to the office that she works in that is MOVING so I cannot submit. I received her request for information on March 1st and I have been gathering and updating information that has been submitted at least 8 times prior to this...The detailed time line I am keeping documents exactly how many times...My point here is now that I have almost all documents necessary, I needed to ask a couple questions before sending but I cannot send as the office is moving. Going to call the CEO’s office back to ask for advice...When I call the # on Roasa Ramos letter it is for a office that intercepts calls for the CEO so I am ON HOLD!...She didn’t leave me a direct line...So I speak to a representative Toni and I tell her the above story and she puts me on hold so I can speak with ROSA ROMAS I went on hold at 1:50 PM... after 10 min on hold Joni returns to tell me I cant speak with ROSA RAMOS Tells me that she has sent information to Olene’s manager...Edgar Beauchamp...[protected]. She Reached his voice mail and he is going to email me the RMA form. Per Joni she tells me to return the envelope to the return address on the return envelope addressed to Olene as she will get the information because they will have to retrieve documents even if the office closes. She tells me I will receive an email with the RMA affidavit that Olene omitted in her requests from her boss EDGAR!. I ask Joni if there is anything else she can do for me and she lets me know she has sent voicemail notifications for Edgar, and Olene which makes no sense because I cant leave a voice mail for olene. I am being shafted again by BOA! I tell her I will do as she advises. 2:10 pm the call ends. Almost an entire HOUR of cell phone minutes are gone on the same BS that I have to do over and over again because I know now that Bank of America is purposely trying to avoid me AGAIN!.

Edgar calls me at 4:56 PM -He tells me the last information for my financials date back to Sept 8, 2010 which is why BOA wants them all again for like the 8th time...I submitted a loan modification packet on July 28th 2010...It took them until Sept 8th 2010 to scan in the info and then they denied me on that info in January of 2011!!!Once they get they get my info it will go to an under writer and will be escalated. I have heard that about 8 times in 18 months. ...He assures me that I have a managers attention to get it done now...I have been told that before too ...Edgar assures me my information will be picked up from the office that I have been told is ALREADY CLOSED. He states that they just Moved the employee location to a different office... He is emailing me the RMA affidavit TODAY so that I can finish preparing my modification packet to BOA... He asks me for my email and I give it to him...Call lasts until 5:01 PM. I receive email at 5:20 PM.

March 8, 2011 - 1:15 PM -TUESDAY...I missed a call from OLENE CUELLAR at 11:25 AM...I was at a Dr. Appointment and could not have my phone on...I look at my phone and see NUMBER UNKNOWN...Bank of America and their games again...I got a voice message from her stating not to worry that my loan modification packet would still be received at the office that is moving. Here is a copy of the email I sent her...

My loan modification packet complete with RMA Affidavit that YOU forgot to send in YOUR overnight mail is IN THE MAIL...It is addressed to YOU at the OFFICE that you have told me is STILL there except everyone has MOVED out of there. It has an overnight pre-addressed envelope from you...I have great concerns because everyone is leaving that office that my packet WILL NOT BE RECEIVED when it arrives tomorrow...You assured me from the first day that I spoke to you, from a phone number that I could call you back on, that you would be with me every step of the way of this process...Now your office has moved, I can't reach you at the number you gave me of [protected]... You DON’T answer but your voice mail does and it says if I need assistance to call a man named Mario Chicone at [protected]...THAT NUMBER DOES NOT EXIST!!! I get a message telling my MY CALL CANNOT BE COMPLETED AS DIALED!!!
A. YOU called me this morning while I was at a Dr. appointment...When I look at my phone after the appointment to see the missed number of who called...Guess WHAT!!! It shows NUMBER UNKNOWN...I knew it was someone from BANK OF AMERICA because that is what they do...HIDE THEIR NUMBERS so you cannot call them back. I'm wondering why you are hiding the number??? You have told me prior that you would be available to me to help me... Rest assured though because I got a lovely voice mail from you that I have saved to my phone. It states you wanted to see how I was coming along with getting my documents submitted. You tell me if I need to call you back that I can call you at [protected] ext 14597. So I try to call you as I wanted to speak with you and again and I hear YOUR CALL CANNOT BE COMPLETED AS DIALED...You not only left a forwarding # for me that DOES NOT WORK on your voice mail at your last contact #, but you also left me that same forwarding # that DOES NOT WORK in a voice message to me on my phone (that’s been saved). So what are the odds of leaving me a # that does not work TWICE?????
This has turned out NOT to be the comforting statement that you gave me the first day I spoke to you on March 1, 2011. Once again you told me not to worry as you would be with me every step of the way and now you have moved and are not UNAVAILABLE to me via phone. My documents are in an over night enveloped being emailed to you. Your voice message on my phone clearly states you will get them even though you have moved from the office they are being sent to. Your boss, Edgar Beauchamp also assured me in a phone message yesterday that they would be received there also. If you don't receive them its not my fault...The blame will fall to you and Edgar...
Myra E DeLeon

Several voice mails from olene in the days following my submission of documents. Have kept all voice mails. I send some emails as I am short on phone min.

March 15, 2011 Tues afternoon. Get a call from Olene and she wanted to tell me that the info was sent in computer for review and she should hear something this week and when it gets back to her she will tell me the next step. Said it would take 7 to 10 business days so I should hear back from her on the last week of the month.

MARCH 18, 2011 Friday- 5:05 PM - Just got back home from Bank OF ###! Had dad remove me as being authorized on his bank account. DID NOT WANT BANK OF ### getting any of his money when they foreclose on my home. They would take it I know they would...

RECEIVED a paper in the mail from Texas telling me that I don’t qualify for a modification but that I might qualify for a short sell or deed in lieu. I know olene has no knowledge of this information as she is working on a traditional modification and she is in California not Texas. Texas told me back in January when they denied me modification that they would review my financial info to determine what other program I could qualify for and would contact me in 10 days to let me know. That letter was dated January 14, 2011. So I guess the paper I got today is the one I should have received in 10 days...I have since re-submitted paperwork to California. I think I will keep my mouth shut about this letter until the last week of this month not that I will be given a modification anyway. Just goes to show you BANK OF ### has no clue what it is doing!!! I know Olene doesn’t know anything about it...My newly submitted financial info is what is in review and my last denial of modification was on financials that were more than 30 days old...

March 20, 2011 Sunday- Emailed “Who Holds The Note” to Brian T Moynihan and to Olene Cuellar. It also asks for them to show me the chain of events that made them the servicer...The request states I would like to see copies of all endorsements and assignments of my mortgage note and where and when the assingment(s) if any-were recorded. I also ask that you provide me with evidence of your firm being contractually retained to service my loan...

March 21, 2011- Monday...Sent via snail mail the email I sent to Brian T. Moynihan and Olene Cuellar yesterday. Made copies of envelopes etc...(see paperwork). No response to my emails as of yet and it’s 12:11 PM...

4:50 PM - I look at my phone and I missed a call from Olene. She leaves me a voi

  • Vi
    vickivale Jul 12, 2011

    If I had to write my story of my efforts and dealings with BofA it would read almost 100% the same as this writer. What are we to do? This is an outrage. People who did the right thing and are trying to keep their homes and not just walk away are being scr&^%ed. Insanity.

    0 Votes
  • Vi
    vickivale Jul 12, 2011

    I would like to know what "CAST" is and where you emailed Olene Cuellar at what email address. Did you get a reply from your request who the servicer is? And what is naca?

    0 Votes

Loan ModificationPurposely inconsistent and misleading

I agree with all complaints that anyone may have with Nationstar. They purchased my mortgage some time ago when I has a job with substantial income. As hard times have fallen on the job and health front I reluctantly pursued a mortgage modification. After six months into the process and over a hunderd document copies and many many phone calls I was granted a trial period reducing my mortgage by $300. All at the same time I was receiving monthly statements for different amounts and adised that i had better ensure that payments reacghed them by the first of each month. I failed to do so in one month paying on the 3rd and made the next payment before the end of the month so it would reach them by the first of the next month. The modification was withdrawn becaiuse I made 2 payments in the same month. After another review they offered a forbearance for 6 months reducing my payment by $94. Into the secong year I have engaged a counselor, contacted my congressman and am not taking the forbearance. They use any and all schemes available to deny applicants and a different story is given with each phone call. If anyone can avoid the process by any means they should do so. My house is up for sale below appraised value for nearly 3 years with no offers in this economy.

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Loan ModificationPlaying Games

Since I spent two days in NACA trying to get Wells Fargo to work with us and was told we would be seen and leave with an answer, they came back ten minutes later and told us Wells Fargo was too tired and was going home after two 12 hour days of standing in lines. Then we started to work directly with Wells Fargo to no avail. I even got a number to their Presidential Suite through a connection and was told we would definitely get an answer. Based on the same budget sheet I was told we made too little and too much and the information did not change. Then we hired a Loan Modification Specialist to work on our behalf. They started working with us in April of 2010. Here it is December and we are no further along. Three months in a row they told us they could not further process our loan because they needed to know how many lived in the home and how many cars we had. They used this excuse three months in a row just to hold up our claim. Finally a Fannie Mae just opened in Phoenix and we filled out all their paper work and they have 45 days to get us an answer. Fannie Mae is trying to help people because of all of the complaints. Fannie Mae actually owns the loan and your mortgage company is just the servicer. We have jumped through every hoop they have asked for since September 2009 and we aren't any further ahead. A friend of ours has Wells Fargo and he didn't do anything. He didn't make any payments for 10 months and got a package in the mail from Wells out of nowhere lowering his interest rate to 2% for the life of the loan and rolling in the 10 months he missed into his Principal. Is their discrimination going on? He did not do anything and got an offer directly from Wells Fargo which he signed and it was modified and he was done with it.
What are your experiences with Wells Fargo?

  • De
    Dennis E Collins Dec 12, 2010

    Details of Lack of Communication
    Leading to Major Frustration

    Sometime ago a friend told me about NACA and they indicated that they could help me save my house. I filled out all of the paperwork they required on line and sent it to NACA. I attended the event on Sunday and Monday that it was in Phoenix. I was there for nearly 10 hours each day. The first day I was there, I got right up to the point of talking to my counselor. On Monday, I got through my counselor after hours and hours of waiting.
    The Wells Fargo people were put together, we were assured over and over, and over that, we would get in front of Wells Fargo before they left and that we would leave with an answer. I waited and waited and was just about to get in front of Wells Fargo and they announced that they were too tired and were going home and we would not be seen. A gentleman from NACO gave me his cell number and told me to call him on Friday when he was in Las Vegas that week and he would have an answer for me. I called him on Friday as he asked and left repeated messages that were never returned.
    At this point, I was not hearing from NACA or Wells Fargo and I was frustrated beyond frustrated. Finally, I called Wells Fargo since NACA did not respond. This was in November. I was told at that time that back on November 12th Wells had told NACA they were offering us a three-month forbearance, which I knew nothing about and would not have known had I not called Wells Fargo and talked to Brian. The problem was that by the time I actually had received the paperwork from Wells and was made aware of their proposal I had already mailed my house payment due December 1st because from what I knew there wasn't an agreement in place and I did not want to be late with a payment. I called and talked to Drew and he indicated that since I had already lost one month of the forbearance because I was not notified, he told me he would put it back through and have the forbearance be for January 1, February 1, and March 1. I did not hear anything and I called back to see why I hadn't heard from them and why my paperwork was not put back through as I was told and would be revised. Then, I talked to a Felicia because I still did not receive any communication from anyone. She informed me that he was in error and that once it is submitted it cannot be rewritten which is what I was told. She read my file and told me that the reason for the delay was that I had not sent in proof of my unemployment - which I was never told was a problem and / or needed. She also told me because it was over 30 days since I had signed that all of the paperwork would have to be redone, resubmitted, and redated to a more recent date. This was news to me. I was told they would send me that they would send out the forms for me to fill out so I could send them back to them. Twice I called and twice I was told the forms would be sent out and as of this date I still have not received the forms. My wife spent an hour on the phone today with Wells Fargo and she told my wife that we needed to sign the proposal and mail it back - again this was news to us. We signed the proposal declining it as the woman told us and it will go out in the mail tomorrow. Because I never got the forms and could not get through to NACA - hung up on and waits averaging 100 minutes, I have generated my own forms to get the status from my perspective in front of NACA and Wells Fargo.
    Here, I am looking endlessly for work and on top of it all pushing, calling, and all to save my house. I need to know what is going on with my Modification because what I am faxing you should be everything you need and then some.
    The frustrating part is I was within minutes of being in front of Wells Fargo and they went home when it was my turn. As a result, I am getting all of this non-communication and told different stories every time I talk to someone. I want to know exactly what the next steps are and when I can expect to hear from you. Hopefully, it will be in a timely manner and that I will not have to make a payment for a few months.
    I need answers, direction, and results. This has been a very painful process and has been way more work than it should ever have been - especially since I was told in Phoenix that I would leave with an answer from Wells Fargo. In addition, I was in the building the day the bomb threat occurred in Phoenix.

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Loan ModificationPredatory Lender Practice

GMAC is applying PREDATORY LENDERS on recipients of Social Security. The give the run-around for a Loan Modification request when you are not upside down and apply an addional 25% on your gross income on social security. They do not want to put this in writting. Nevertheless, there 31% becomes 40% when the additional 25% is added. This is predatory practice on seniors and disable recipients of social security.
May only household income is social security benefits and there offer was to reduce the payment by TEN DOLLARS. They calculated the gross income adding 25% and I've complaint to them and sent them all the information. They still ignore it. I've also made the complaint with the Banking Authorities and the US Senate.
The are a corrupt company

Loan ModificationLoan Modification Lies

I'm writing this complaint for two reasons, on the behalf of a sibling who was scammed of $3, 000.00; to inform those considering letting these pimps 'help' modify their mortgage loan, and to gain any info to resolve the situation.
Said sibling received an ad in the mail in regards to a company posing to help worthy citizens of the U.S. review their mortgage loan and receive modification. In a moment of desperation, said sibling applied for a loan modification with these jerks. Upon review of said sibling's info, 123 Fix My Loan agreed to help. 123 Fix My Loan talked over the phone with sibling for over two hours listening to personal problems about the house, and also to inform sibling about companies that scam citizens out their money (maybe they were laughing to themselves while saying this). 123 Fix My Loan also agreed to refund any fees paid if loan modification request was unsuccessful. Said sibling agreed to paid fees. Once the money was sent, 123 Fix My Loan would keep in contact
Well, long story short: 123 Fix My Loan never kept in contact and now has a recording when you call the number. Stay away from this company and any other like it! It may seem obvious that said sibling should’ve stayed away also, but desperate times call for even desperate measures I guess.
Contact email above. Thanks.

Loan ModificationCrooks, Robbers with a license, Thiefs

This firm is run by an Attorney who was licensed in 2005, 11/29/2005, " a license to steal" and thinks a rip off scheme will carry through, and perhaps it will. Rip off now, take peoples money who are desparate, "take all you can squeeze" Our Government Entitys don't care i.e. California State BAR, who licenses the Attorny's, The State Law states since Oct, 2009. NO ONE INCLUDING ATTORNEYS/LAWYERS can collect fees up-front. This Firm promises you the world for loan Modifications and delivers nothing but a sick stomach wondering why you gave him your money, that could have fed you while going through trying times, maybe a deposit on something like rent because he doesn't preserve your home, i.e. stop Foreclosure with ur current lender.

CALL YOUR LOCAL POLICE DEPARTMENT, REPORT THIS CRIME, IT WAS TO HAVE STOPPED IN OCTOBER 2009, AND ONCE AGAIN 2 WEEKS AGO. DON'T LET YOUR LOCAL AGENCIES TELL YOU THIS IS CIVIL BECAUSE IT IS A CONTRACT. IT IS NOT A GOOD CONTRACT. IT IS NOT A LEGAL CONTRACT, IT WAS STOPPED BY THE FEDS. PLEASE CHECK THIS INFO OUT FOR YOURSELF...I AM NOT AN ATTORNEY NOR AM I GIVING LEGAL ADVICE, JUST DONE ALOT OF RESEARCH.

The only way to stop him is to fill up the net and keep money from his pockets. He has a gang of thiefs trained to take any amount they can. Feeding the monster will keep this ongoing.

Wishing you all good luck,

  • Th
    TheScumHunter Aug 03, 2010

    Anybody looking for Brian I know where he is right NOW as of 8/1/2010.

    New Business name:

    PREP-U-SIGN or PREPUSIGN
    22600 - C Lambert St.
    Suite 908
    Lake Forest CA, 92630-1621

    I will try to get the new phone number...

    Your Friend

    The [censor] Hunter

    0 Votes

Loan ModificationWont refund money and did no work.

Comapany was hired to Modify my laon and did nothing at all I had another person do the work, that referred me to them as asked for Nothing in return from me but asked Calstar to pay me back and they said no. When third Party Authoriation was sent to bank Yvette asked to have her name listed. This was for my protection and so she could check herself on the status. Calstar put third Party Auithorization in and stopped after this .Because companies have to be named with all people who will represent the borrower he said the company is doing work. If yvette did not step in I would have lost my house. The bank logs can prove this with the names of the person calling in and the dates too. I cant have these to prove that no one else except Yvette to work on file unless I have a court order. So he has justified that Calstar is working on my file. And refuses to pay Yvette has expressed that he has done this to several people she referred and was in the office on day to check on the referrals and relized she sent people to a company that is riping people off she is working on all file with no pay. Just to make it right. she has called with me on converance to banks and Calstar to request Calstar to pay all people she refferred. She even got file escalted to the OOP with the banks all for free... she should get paid but not him...she also told us as of October 11th no one can modify a loan with up-front fee and it is illegal when I offered her to pay.Please Help

  • Jo
    John David Feb 28, 2010

    I worked for this company as a manager. It is a scam. You pay them depending upon the amount of your mortgage and depending upon how late you are on your mortgage which is in direct violation of federal foreclosure statutes. When you are denied by the bank because they have adjusted your information submitted to the bank {and banks don't like LIARS} you are then rold that you did not qualify. What happens to the money you shelled out? Good luck getting that back in your "contract" it states that you have a three day right of recission from the date they "submit" your information to the bank. In other words YOU'RE SCREWED! If you are in need of mortgage assistance please visit loanmitigationsolution.org to see if you qualify for the OBAMA FAIR MORTGAGE DEBT RELIEF STIMULUS MODIFICATION PROGRAM!!! Call 804-233-0991 for more details. Just ask for JD

    0 Votes

Loan Modificationrefund due to term of contract

I person from a mortgage company recommended "Save my home usa" to do a loan mod. for me. She swore they were upfront honest and if they could not do what I paid them for with 3 months.
I would be refunded the whole cost $2800.00, since then now 11 months later I've made numerous phone calls inwhich i have spoke to someone and they told me someone would call me back and never did.

Loan Modificationservice/refund

Legal Loan Bailout scammed me also. I paid them 4000.00 to do my loan modification and they led me on for several months and nothing got done. I finally called my mortgage company and did the loan mod myself. I tried to get a refund which they promised and its been another month and I still have not got my money back. I reported them to BBB and still nothing yet. Like you, I will have to take them to small claims court as well if they don't refund my money which was clearly stated in the contract. DO NOT USE LEGAL LOAN BAILOUT THEY WILL SCAM YOU.

Loan ModificationFRAUD

IM PUTTING THIS COMPANY UNDER INVESTIGATION. MY NAME IS VILMA FLORES AND IM TH EOWNER OF A MODIFICATION CO.
I NEED PEOPLE THAT HAVE COMPLAINTS ABOUT THIS COMPANY. PEOPLE WITH PROOF THAT THEY PAYED AMERICAN HOME RECOVERY AND NOTHING WAS DONE TO HELP THEM.

PLEASE HELP ME BRING JUSTICE TO THE PEOPLE.


CONTACT ME @ [protected]@YAHOO.COM

THANK YOU

  • Pl
    Pls. Stop this fraud Aug 25, 2009

    They are fooling people . They make you believe that they'll help you lower you monthly payment for your house but they just want the money. I was just $1800 and now the lawyer told me that they stop the modification because infinity funding is not paying them. Now i' m in forclosure and I don't even know what to do. I think this kind of business needs to be prosecuted.

    0 Votes

Loan ModificationPaid for Services Never Received

My husband and I entered into a contract with Alliance Law Center to secure a loan modification for our home. We paid $4, 475 to get a first and 2nd mortgage modification. It has been approximately one year and Alliance has not lived up to their promise. The contact phone number for Alliance is out of service. We would like a return of our money, if possible.

Loan Modification$871 in OVERDRAFT Charges

Truman Foreclosure Assistance has a new Director of Customer Service, Mrs. Shoshanna Itzkowitz, like her husband prior CEO, Jack Itzkowitz, they totally lack the integrity that comes with doing business and representing an up and up company, which they are not.
************************************************************************************
Eight months ago, I checked Truman out on BBB and found they had a “B” rating and thought I would be okay to proceed with my loan modification process. Now it is the end of August and my mortgage company still has not cleared me as having completed my loan modification. I went back out on the BBB website only to find the following words:

Rating F –
We strongly question the company’s reliability for reasons such as that they have failed to respond to complaints, their advertising is grossly misleading, they are not in compliance with the law’s licensing or registration requirements, their complaints contain especially serious allegations, or the company’s industry is known for its fraudulent business practices.
************************************************************************************
I had three women working on my file who wouldn’t return phone calls, faxes or e-mails for weeks at a time. To begin with, I paid two payments of $900 each, however the original person setting up my file told me I could send in a partial payment for the second $900 and pay the balance when I was able. I sent a package of paperwork and attached my check on top with the wording in the memo section “Partial Payment $900 - $200 = $700, ” but one of those women put through the $900 against my checking account anyway and bounced my checks causing me $871 in OVERDRAFT charges. I made the mistake of giving them my card number, which put me in a very bad position; especially, when I wanted to trust these people in honoring what they had told me in the first place regarding a partial payment.
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I have sent e-mails and faxes to both Jack Itzkowitz and Shoshanna Itzkowitz requesting they reimburse me for their company’s error, but to no avail. My last fax said I was going to be putting in a complaint on this website but my fax was also blown off. I find this type of business practice as reason for the BBB to give them a Rating of F and I would never refer this company to anyone. It doesn’t matter to them how many people they defraud one way or another!

  • Sa
    saffrizzle Mar 01, 2010

    I paid $2, 000 to a loan mod company based in Miami for my mortgage, and its been 18 months and still nothing! You can simply write a letter to the bank yourself and you might results too without spending all that money. I have a friend that got a forensic loan audit like these guys http://www.loandoctorsfl.com and they used that to modify their loan WITHOUT the loan mod companies. I wish I did that.

    Lorenzo

    0 Votes

Loan Modification — unhappy customer of Colombana's firm - Mortgage relief law center and its sub-agency

Unsatisfaction with Colombana's firm - Mortgage relief law center (MRL) and its sub-agency Summary: I...

Loan ModificationIgnored

Two months before our savings ran out we contacted SunTrust Home Retention Unit to say we needed a modification of our loan due to present poor financial circumstances. We ended up filling out and Faxing 22 pages to them, only to get no response. When I called the number 2 weeks later they had no record of us, and started reading me the "this is an attempt to collect a debt" speech. I said "I called you!" but the person on the other end was a ###. So, when we fell behind a payment after draining our savings to pay property taxes they sent us a letter suggesting we call about loan modification! So, we called and were told to re-send all of our information, which we did. It has now been another month and NO Call back from Suntrust! SCAM. No help at all!

  • Up
    uptnboy Dec 30, 2009

    DONT DO BUSINESS WITH THESE CROOKS... My partner lost his job 2 years ago and we have faithfully made and continue to make our entire house payment and all other bills on time (my income is higher to enable us to do this), when the Obama thing came out that there was a "new" modification program for persons who are not late but have lost substancial income he had a program for you now... We jumped at that oppotunitiy only to be declined because we were not late??? the program is for people who were not late... Then a couple of weeks ago we recieved a package from SunTrust stating we qualified for this new program, after several calls asking questions we sent in the packet with the new payment, etc.. I just called them today to ask the question about what it does to your credit and get this... they report you late every month during your trial period, so my 850 credit score will be no longer because our trial period is for 4 months so that will make me 120 days deliquent with my home payments. As that point all my credit cards will have been closed or the interest jacked up so high that the payments will no longer be affordable, etc... I asked the agent why is that when the payments are being made and I was told that although the payments are being made they are in a holding account and NOT applied to the actual mortgage on the home until the modification is complete... I immediately told her to take me off the program, called the back and stopped payment on the check that was sent and will be mailing them my actual ORIGINAL house payment to be recieved by the due date and that I would NOT be doing the modification and messing up my credit, she also told me that at the end if all my payments are made on time during the mod process they can go in and fix my credit indicating that the house was never late, well that does nothing for my score and all the credit cards that have been closed or jacked up because of universal default...THIS SHOULD BE ILLEGAL THEY SHOULD NOT BE HOLDING YOUR HOUSE PAYMENT AND NOT APPLYING IT WHEN IN FACT IT IS THERE AND IT IS JUST SITTING IN AN ACCOUNT... IF YOU DON'T HAVE TO DO A MODIFICATION AND YOUR CREDIT ALREADY IS IN THE CAN THEN THIS PROGRAM IS FOR YOU IT RUINS YOUR CREDIT IF YOU HAVE CREDIT... THEY HAVE TO MAKE YOU LATE IN ORDER TO DO THE MODIFICATION BUT THEY DONT DISCLOSE THIS TO YOU... THE OBAMA ADMINISTRATION MUST STEP IN ON THESE PREDATORY LENDERS TO STOP THIS INSANITY... THIS IS AN ILLEGAL PRACTICE AND THEY DONT TELL YOU ANY OF THIS IN ANY OF THE DISCLOSURE PAPERWORK I HAD TO CALL SEVERAL TIMES BEFORE I ACTUALLY GOT SOMEONE THAT TOLD ME THE TRUTH AS TO CREDIT RATINGS AND THEM ACTUALLY HOLDING THE PAYMENTS... BEWARE OF SUNTRUST MORTGAGE...

    0 Votes
  • Ma
    Maka Koa Jan 26, 2010

    Are story is identical. I was not behind in my mortgage either. After 6 months of this foolishness and not a single piece of paper from Suntrust our credit is being destroyed & we owe them $7000+ in back payments!

    0 Votes
  • Mr
    mr h May 19, 2010

    I also have been trying to modifywith suntrust for 9 months, i lost my job and had to move away from my primary residence, i was told the obama plam was still for me, i explained it is no lnoger my primary, i was told no matter, i was also told to ring once a week or every other week, since that time i have rang 42 times NEVER getting one of the 5 different counselers that have been assigned to my case, i sent in all paper work and was informed 3 months later you dont qualify for this its not your primary, (yes i lost it) filled in same paperwork again 3 months i was told they could save me a whopping $27 per month well off my $2600 per month mortgage thats not really good enough, i replied no thank you, again i am told dont get behind keep paying we will find something for you, the last time i called i got my first honest guy, he told me we cannot do anything until you are behind 3 months, i asked will that not ruin my 760 credit score, oh yeh he said, i then asked how much will the savings be, he replied we cant tell you that till you are behind 3 months, so i asked could it be the same $27, he said quite possibly. my wages went up by 5% by moving unfortuanlety with the rent i am recieving on my home only being 66% of my mortgage and having to pay rent also and the cost of living much higher, i am showing a wage increase of 5% yet my bottom line has gone down by almost 40% i am losing about $1000 per month plus my mortgage went up another $112 because i lost my homestead exemption. cant do this much longer anyone got any advice???

    0 Votes

Loan Modification — Scam

Choice loan makes promises that it does not keep. They never call clients with modification updates. Their...

Loan ModificationMONEY BACK GAURANTEED... NOT!!!

After being denied for a Loan Modification, we were told that the $1, 000 deposit fee would be returned to us. Its been over a month, and i've been trying to get a hold of the loan officer that "helped" us, MICHELLE MORROW, and all I got were voicemails. I left dozens of voicemails, and none of it were returned. Their customer service is no help either. I just get transfered, re-routed and at the end, all I got were answering machines.

  • Er
    ericmorris Mar 25, 2009

    LOAN MODIFICATION SCAMS AND RIPOFFS CLASS ACTION

    Have you been ripped off by a loan modification company? Were you scammed, lied to or defrauded by a loan modification company? Our law firm is fighting illegal and non-compliant loan modification companies and seeking injunctions to stop them from continuing their illegal activities and also seek money damages to make you whole. Call us for a free initial consultation.

    Here are some of the loan modification scams we are seeing. If you have been a victim of any of these activities please contact us for a free consultation. We will look up the loan modification company and see if they are properly licensed to engage in the loan modification business. In addition, we will scrutinize their activities to see if they were negligent in performing loan modification services.

    (1) Non-compliant company loan modification scam: In order to perform loan modifications in California a Broker is required. The California Department of Real Estate ("DRE") has declared loan modifications to be a licensed activity. As such, a Broker's license is required and any salesperson working under the Broker must also be licensed. In addition, loan modification marketing, solicitation, processing and negotiation has also been determined to be licensed activity by the DRE. We will investigate your company to see if they are properly licensed. If not, we will seem an injunction preventing them from engaging in the loan modification business and seek to prevent future loan mod scams by the unlicensed or non-compliant entity. Note: If the Broker accepts an advance fee (charges you a fee for the service) they are required to have a loan modification contract that has received a letter of non-objection from the DRE. There are only a limited number of companies with an approved advance fee agreement (we will investigate this).


    (2) Attorney-backed / Attorney-based loan modification scam: This is the new flavor of the day in loan modification scams. Attorneys are lending their names and credentials to a loan modification company (which may either be properly licensed or not). The Client thinks they are hiring a lawyer and that they have put their foreclosure issue in the hands of a qualified attorney. In many cases, the Attorney either does not exist, or merely lended the broker the use of the name, address, and merchant credit card account so that the broker can bring in loan modification business by holding itself our as a legal entity of sorts. Both the California State Bar and the DRE have tried to warn both brokers and attorneys about this very questionable conduct that raises issues over attorney fee splitting, partnerships with non-attorneys, circumvention of the California Foreclosure law, and violation of the Attorney-Client relationship. Be very careful when thinking about going with an "attorney based" or "attorney backed" firm. Ask yourself why you wouldn't just go straight to an attorney.

    (3) Take the money and run loan modification scam: With the Internet any scam artist can hold itself out as a real company. We are seeing more and more loan modification companies that appear to be operating covertly, in violation of State licensing requirements, and these companies may even be offshore. Do not contract with any company if you cannot verify their physical address and telephone number. Once you give them your money you may not see or hear from them again. Even if you receive a mailer piece from a company that looks to be a legitimate loan modification company, proceed with caution and prudence. If you have been scammed or ripped off by such a company please contact us immediately.

    (4) False promises loan modification scam: Did your broker or attorney-backed/attorney-based company promise you something they did not deliver (ex. principal loan reduction, guaranteed loan modification, 100% money-back-guarantee, etc.) and fail to deliver? If so, they may have either ripped you off (fraud, deceit) and/or failed to properly process your loan modification (professional negligence). Many loan modification companies will hold themselves out as "loan modification experts" or "loan modification specialists" even though this business is fairly new and even though the loan modification company may have had no special sill, training or experience in this field.

    (5) The loan audit that never happened loan modification: Many brokers and attorney-backed companies are representing that they will get your loan modification processed faster and more efficiently and get you a better loan modification because they will have a "loan audit specialist" or attorney or law firm conduct a forensic loan audit. We have seen many cases where either no loan audit is performed or a lousy one paragraph summary is provided that makes it questionable whether or not the loan audit was ever performed. Especially in regard to Option ARM loans and NEGAM loans we would expect a more thorough loan analysis.

    This is just a short list of the types of loan modification scams, frauds, rippoffs and negligence we are investigating on behalf of our homeowner clients. If you feel you have been lied to, cheated, ripped-off, abused or neglected by your loan modification company, please contact us.

    We are a law firm licensed to practice law in California. We will provide you a free initial consultation, and if your case qualifies (most do) then we will take your case on contingency and seek money damages and attorney fees caused by the loan mod scam artist.

    This is an advertisement and communication pursuant to State bar rules. We only seek to represent California homeowners with this service. This article is not legal advice or intended to serve as legal advice. No attorney client relationship is created by sending us an email or phone call.

    Contact Us:
    Eric Christopher Morris
    Attorney at Law
    Southern California Lawyers Group, PC
    9330 Baseline Road, Suite 203
    Rancho Cucamonga, CA 91701
    (909) 466-4400
    (909) 839-5004 Fax
    www.lawsclg.com
    [email protected]

    0 Votes

Loan ModificationScams

WHERE DO I START ????? About a year ago my husband and I were trying to figure out how we were going to continue making our house payments. We have been managing them as much as we could. We saw an ad for Lucas Law Center and thought maybe this was the answer we were looking for. I spoke to Justin Springer and he assured us that this was the way to go. That they were not one of those scams that you could get caught up in spending 1200.00 and get nothing out of it and lose your money. They were a bit more pricey because they were attorneys. We paid a lot for our service. Much more than I read on any other complaints. We were informed that we should not contact our mortgage company because if we worked something out with the mortgage company then it might affect the loan that they could get. So we backed off completely and just let them do the work. Justin Springer also wanted to make sure they got paid so he recommended for me to pay him so they get their money instead of paying the mortgage company because it would all be just added into the loan and not to worry about it.

Every few weeks I would try to call to see if there was any progress and Frank Sullivan would say that no news is good news. So I thought maybe that things were okay. We continued to get calls from the mortgage company but I would avoid them because I didn't want to tamper what Lucas Law Center was going to do for me.

Finally I got a letter from the mortgage company and it said that the modification was denied. I called Frank Sullivan and told him that i got that letter and he said he didnt know why i would get that because nothing has changed. He just let it go. Then a few more months passed and our homes were in foreclosure. I called them to ask what was going on. He said that he still hadn't heard anything. The next day they called me and said that they were not able to get the loans modified. He asked what I wanted to do. He could send a check or we could try and at least modify the loan on the house we were living in and do a shortsale on the house. I told him I would like to set up a meeting with him. I did and we drove down there to meet him. I sent him an email and called and left a message the morning that I was meeting with him so he would have no excuse to why he didnt know about the meeting. We showed up and he was suddenly in another unscheduled meeting and that we could meet with someone else if we wanted. I said NO! We drove down here to meet with FRANK. Frank came in the room in his sweat suit. We discussed the issues and said that he would start to set up the shortsale on one of the houses and continue trying to get the modification on the other. I asked him if he could do this before selling the home he said yes. So i was okay with that. He also claimed that he would schedule weekly meetings with me on the phone to keep me posted on what was going on with the loan.

I called every Friday at 2 o'clock as we scheduled and never was able to get a hold of him. I left messages every time I called and somehow he never got around to calling me. Finally I was really upset and called and called and called until the operator gave me someone to talk to. Then about 10 minutes later Frank called me back. He said that he was busy and that he tried to call the urgent calls back.

I'm not urgent though even though i have two houses in foreclosure and one with a sale date. Frank Sullivan never followed though with anything that he claimed he was going to. He NEVER set up short sale, he NEVER set up cash for keys, he NEVER was able to get our loans modified. ITS A SCAM FOR YOUR CASH! He was supposed to set up cash for keys and I never heard anything from them. Stay clear of Paul Lucas, Justin Springer, and Frank Sullivan.

I am currently trying to take care of things on my own. I have my rental property up for sale and the house I am living in has a sale date in less than a week. I am sad and flustered that I have been put into this situation and I have no one to thank except LUCAS LAW CENTER. So thanks Luke, Franky and Justo!

Be aware of their traps. They will tell you if you talk to your mortgage company it may tamper what they are doing and you wont get any money back if you do that. So they will just sit on your case. Then when the time comes and you can wait any longer you may not get your refund. Its a catch 22. So do nothing and lose your house. Do something and they wont refund your money.

I

  • Ja
    Jacob Mar 11, 2009

    Friendly Financial services has helped numerous clients facing the prospect of foreclosure. Please call 866-386-2444 for a free consultation to see if we can help you. Please visit our website as well http://www.friendlyfinancialservices.com

    and our BBB rating

    http://www.seflorida.bbb.org/BusinessReport.aspx?CompanyID=92009751

    0 Votes
  • Er
    ericmorris Mar 25, 2009

    LOAN MODIFICATION SCAMS AND RIPOFFS CLASS ACTION

    Have you been ripped off by a loan modification company? Were you scammed, lied to or defrauded by a loan modification company? Our law firm is fighting illegal and non-compliant loan modification companies and seeking injunctions to stop them from continuing their illegal activities and also seek money damages to make you whole. Call us for a free initial consultation.

    Here are some of the loan modification scams we are seeing. If you have been a victim of any of these activities please contact us for a free consultation. We will look up the loan modification company and see if they are properly licensed to engage in the loan modification business. In addition, we will scrutinize their activities to see if they were negligent in performing loan modification services.

    (1) Non-compliant company loan modification scam: In order to perform loan modifications in California a Broker is required. The California Department of Real Estate ("DRE") has declared loan modifications to be a licensed activity. As such, a Broker's license is required and any salesperson working under the Broker must also be licensed. In addition, loan modification marketing, solicitation, processing and negotiation has also been determined to be licensed activity by the DRE. We will investigate your company to see if they are properly licensed. If not, we will seem an injunction preventing them from engaging in the loan modification business and seek to prevent future loan mod scams by the unlicensed or non-compliant entity. Note: If the Broker accepts an advance fee (charges you a fee for the service) they are required to have a loan modification contract that has received a letter of non-objection from the DRE. There are only a limited number of companies with an approved advance fee agreement (we will investigate this).


    (2) Attorney-backed / Attorney-based loan modification scam: This is the new flavor of the day in loan modification scams. Attorneys are lending their names and credentials to a loan modification company (which may either be properly licensed or not). The Client thinks they are hiring a lawyer and that they have put their foreclosure issue in the hands of a qualified attorney. In many cases, the Attorney either does not exist, or merely lended the broker the use of the name, address, and merchant credit card account so that the broker can bring in loan modification business by holding itself our as a legal entity of sorts. Both the California State Bar and the DRE have tried to warn both brokers and attorneys about this very questionable conduct that raises issues over attorney fee splitting, partnerships with non-attorneys, circumvention of the California Foreclosure law, and violation of the Attorney-Client relationship. Be very careful when thinking about going with an "attorney based" or "attorney backed" firm. Ask yourself why you wouldn't just go straight to an attorney.

    (3) Take the money and run loan modification scam: With the Internet any scam artist can hold itself out as a real company. We are seeing more and more loan modification companies that appear to be operating covertly, in violation of State licensing requirements, and these companies may even be offshore. Do not contract with any company if you cannot verify their physical address and telephone number. Once you give them your money you may not see or hear from them again. Even if you receive a mailer piece from a company that looks to be a legitimate loan modification company, proceed with caution and prudence. If you have been scammed or ripped off by such a company please contact us immediately.

    (4) False promises loan modification scam: Did your broker or attorney-backed/attorney-based company promise you something they did not deliver (ex. principal loan reduction, guaranteed loan modification, 100% money-back-guarantee, etc.) and fail to deliver? If so, they may have either ripped you off (fraud, deceit) and/or failed to properly process your loan modification (professional negligence). Many loan modification companies will hold themselves out as "loan modification experts" or "loan modification specialists" even though this business is fairly new and even though the loan modification company may have had no special sill, training or experience in this field.

    (5) The loan audit that never happened loan modification: Many brokers and attorney-backed companies are representing that they will get your loan modification processed faster and more efficiently and get you a better loan modification because they will have a "loan audit specialist" or attorney or law firm conduct a forensic loan audit. We have seen many cases where either no loan audit is performed or a lousy one paragraph summary is provided that makes it questionable whether or not the loan audit was ever performed. Especially in regard to Option ARM loans and NEGAM loans we would expect a more thorough loan analysis.

    This is just a short list of the types of loan modification scams, frauds, rippoffs and negligence we are investigating on behalf of our homeowner clients. If you feel you have been lied to, cheated, ripped-off, abused or neglected by your loan modification company, please contact us.

    We are a law firm licensed to practice law in California. We will provide you a free initial consultation, and if your case qualifies (most do) then we will take your case on contingency and seek money damages and attorney fees caused by the loan mod scam artist.

    This is an advertisement and communication pursuant to State bar rules. We only seek to represent California homeowners with this service. This article is not legal advice or intended to serve as legal advice. No attorney client relationship is created by sending us an email or phone call.

    Contact Us:
    Eric Christopher Morris
    Attorney at Law
    Southern California Lawyers Group, PC
    9330 Baseline Road, Suite 203
    Rancho Cucamonga, CA 91701
    (909) 466-4400
    (909) 839-5004 Fax
    www.lawsclg.com
    [email protected]

    0 Votes
  • Di
    Diane K Dec 14, 2009

    Please check out the firm of Friendly Financial Services LLC backed by attorney Robert V. Rosenwasser out of Miami Florida. I checked the bar association and the attorney is legit, not sure if FFS is his company or not. They ask about $1800 to help modify a persons loan.

    0 Votes
  • Ib
    ibrickster Mar 29, 2010

    anyone know anything about Friendly Financial Services, LLC ?

    -1 Votes
  • Am
    Amy26 Apr 06, 2010
    This comment was posted by
    a verified customer
    Verified customer

    I'm also in need of any information about Friendly Financial Services as well. Good? Bad? Help!

    0 Votes
  • Da
    DAVE RAY Aug 27, 2010

    IS THERE ANY WAY I CAN GET MY MONEY BACK FROM FRIENDLY FINANCIAL SERVICES. THEY RIPED ME OFF. AM A DISABLE VET, THOUGHT THEY WOULD HELP ME. CALLED TODAY, THEY MENTION THAT THEY SENT MESSAGES TO MY EMAIL. RECIEVED NOTHING FROM THEM. THEY WENT FROM A B WITH THE BBB TO AN F . KNOW SOMETHING IS GOING ON WITH THEM. SENT THEM 2100 DOLLARS. THEY SAID IF THEY COULD NOT GET ME A LOAN MODIFICATION THAT I WOULD GET MY MONEY BACK. HOG WASH!! THAT IS HARD EARN MONEY IS THIS DAY AN AGE. IS THERE SOME KIND OF GROUP TO JOIN FOR PEOPLE LIKE THIS. IF YOU KNOW MY EMAIL IS [email protected] WONDER HOW MANY OTHER PEOPLE THEY RIPED OFF. DAVE

    0 Votes

Loan Modificationripped off and mislead

I got ripped by mason, gretchen and their agent residential pacific realtors. They promised to lower payments and reduce principle but didn't do anything for me at all. I tried asking their agents RPR but unsucessfull. if any one is trying to file class action lawsuit I will Love to join.

  • La
    Larry C May 29, 2009

    Try calling The Habashy Law Firm and Legal Debt Solutions. They did my loan modification and i have referred them a few of my friends. We are very glad that we signed up with the right firm. There website is www.stopbanks.com. Its a breathe of fresh air to know that these guys are around and really helping homeowners. Larry C

    1 Votes
  • Se
    Seth O. Sep 04, 2009

    I was skeptical to say the least when I first signed on with this firm. All I heard on TV and read was not to hire anyone to do a loan modification. I had no other choice. I had to hire an attorney. I had eight days before my house was going up for sale. I visited their office and made sure they were for real. I met the attorney, John, and for some reason he made me believe that I would be able to keep my home. I just received my modification three days ago... Legal Debt Solutions did what they said they would. I asked if I could get a principle reduction and they were upfront and told me the chances of getting one was not good. They told me that Bank of America rarely reduces principle. They were right. BofA did not reduce my principle but they DID cut my rate in half.

    1 Votes

Loan Modificationscam money

They scam me out of $1000.00 I gave them to save my home. The home I have been in for the last 15 years of my life. After the fact, I called BBB they gave me an F+ rating on this companies. I have called, and called to get my money back, all they were doing is giving me the run around. From Gary Arnold, Rich, Greg, you name them. This company now has change the name to Gretchen Fox & Assoc. LLC, with the same employees. What ever you do do not do business with this company. What I can not understand how they let a company in business like this, change from one name to another. What is so sad they have a guarantee of a 100% refund for the service if it do not work out. That was one of the reason that attract me to this company.

  • Er
    ericmorris Mar 25, 2009

    LOAN MODIFICATION SCAMS AND RIPOFFS CLASS ACTION

    Have you been ripped off by a loan modification company? Were you scammed, lied to or defrauded by a loan modification company? Our law firm is fighting illegal and non-compliant loan modification companies and seeking injunctions to stop them from continuing their illegal activities and also seek money damages to make you whole. Call us for a free initial consultation.

    Here are some of the loan modification scams we are seeing. If you have been a victim of any of these activities please contact us for a free consultation. We will look up the loan modification company and see if they are properly licensed to engage in the loan modification business. In addition, we will scrutinize their activities to see if they were negligent in performing loan modification services.

    (1) Non-compliant company loan modification scam: In order to perform loan modifications in California a Broker is required. The California Department of Real Estate ("DRE") has declared loan modifications to be a licensed activity. As such, a Broker's license is required and any salesperson working under the Broker must also be licensed. In addition, loan modification marketing, solicitation, processing and negotiation has also been determined to be licensed activity by the DRE. We will investigate your company to see if they are properly licensed. If not, we will seem an injunction preventing them from engaging in the loan modification business and seek to prevent future loan mod scams by the unlicensed or non-compliant entity. Note: If the Broker accepts an advance fee (charges you a fee for the service) they are required to have a loan modification contract that has received a letter of non-objection from the DRE. There are only a limited number of companies with an approved advance fee agreement (we will investigate this).


    (2) Attorney-backed / Attorney-based loan modification scam: This is the new flavor of the day in loan modification scams. Attorneys are lending their names and credentials to a loan modification company (which may either be properly licensed or not). The Client thinks they are hiring a lawyer and that they have put their foreclosure issue in the hands of a qualified attorney. In many cases, the Attorney either does not exist, or merely lended the broker the use of the name, address, and merchant credit card account so that the broker can bring in loan modification business by holding itself our as a legal entity of sorts. Both the California State Bar and the DRE have tried to warn both brokers and attorneys about this very questionable conduct that raises issues over attorney fee splitting, partnerships with non-attorneys, circumvention of the California Foreclosure law, and violation of the Attorney-Client relationship. Be very careful when thinking about going with an "attorney based" or "attorney backed" firm. Ask yourself why you wouldn't just go straight to an attorney.

    (3) Take the money and run loan modification scam: With the Internet any scam artist can hold itself out as a real company. We are seeing more and more loan modification companies that appear to be operating covertly, in violation of State licensing requirements, and these companies may even be offshore. Do not contract with any company if you cannot verify their physical address and telephone number. Once you give them your money you may not see or hear from them again. Even if you receive a mailer piece from a company that looks to be a legitimate loan modification company, proceed with caution and prudence. If you have been scammed or ripped off by such a company please contact us immediately.

    (4) False promises loan modification scam: Did your broker or attorney-backed/attorney-based company promise you something they did not deliver (ex. principal loan reduction, guaranteed loan modification, 100% money-back-guarantee, etc.) and fail to deliver? If so, they may have either ripped you off (fraud, deceit) and/or failed to properly process your loan modification (professional negligence). Many loan modification companies will hold themselves out as "loan modification experts" or "loan modification specialists" even though this business is fairly new and even though the loan modification company may have had no special sill, training or experience in this field.

    (5) The loan audit that never happened loan modification: Many brokers and attorney-backed companies are representing that they will get your loan modification processed faster and more efficiently and get you a better loan modification because they will have a "loan audit specialist" or attorney or law firm conduct a forensic loan audit. We have seen many cases where either no loan audit is performed or a lousy one paragraph summary is provided that makes it questionable whether or not the loan audit was ever performed. Especially in regard to Option ARM loans and NEGAM loans we would expect a more thorough loan analysis.

    This is just a short list of the types of loan modification scams, frauds, rippoffs and negligence we are investigating on behalf of our homeowner clients. If you feel you have been lied to, cheated, ripped-off, abused or neglected by your loan modification company, please contact us.

    We are a law firm licensed to practice law in California. We will provide you a free initial consultation, and if your case qualifies (most do) then we will take your case on contingency and seek money damages and attorney fees caused by the loan mod scam artist.

    This is an advertisement and communication pursuant to State bar rules. We only seek to represent California homeowners with this service. This article is not legal advice or intended to serve as legal advice. No attorney client relationship is created by sending us an email or phone call.

    Contact Us:
    Eric Christopher Morris
    Attorney at Law
    Southern California Lawyers Group, PC
    9330 Baseline Road, Suite 203
    Rancho Cucamonga, CA 91701
    (909) 466-4400
    (909) 839-5004 Fax
    www.lawsclg.com
    [email protected]

    0 Votes

Loan ModificationUnhappy with Service

In early July 2008 we contacted People's First Financial Services to help us get our mortgage loan modified. We were sitting at 9% interest on an ARM and were already behind by one payment. Mr. Allen White told us that in order for People's First to act on our behalf we would need to send them approximately $ 3, 000.00 and various financial documents and financial worksheets to get them started. We were instructed to stop paying our mortgage in the interim as they (America's Servicing Company) would most assuredly roll any missing payments into the back of the loan. We have made numerous attempts to contact someone at People's First who could answer our questions or give us much information as to what the status of our account was. We finally decided last week to contact a local realtor for advice. We found that due to the amount of time that had elapsed and the number of delinquent payments we had one option and that was to short sale our property and move on. We have decided to do just that but would like to make our dissatisfaction known so that hopefully no one else goes through this. It has been an extremely stressful situation for both my husband and myself. We had to scrape together the initial $3, 000.00 to pay them and feel that we deserve a partial refund of our payment as they did not help us with our loan. I did get a call today February 2, 2009 from Corrin Francisco informing me that our mortgage company had cancelled the foreclosure and were willing to discuss the modification. I do not believe that People's First Financial has lived up to their initial promise and would not recommend them to anyone seeking help with their mortgage issues. We will now be selling our home in a short sale and moving on with our lives. Hopefully it will not take years to rebuild our credit but I fear it will take a long, long time to repair the damage.

  • La
    Larry C May 29, 2009

    Try calling The Habashy Law Firm and Legal Debt Solutions. They did my loan modification and i have referred them a few of my friends. We are very glad that we signed up with the right firm. There website is www.stopbanks.com. Its a breathe of fresh air to know that these guys are around and really helping homeowners. Larry C

    0 Votes

Loan Modification — NOT a Trustworthy Company

FLM Law Center (also known as FedMod or Federal Loan Modifcation Law Center) truly is not a trustworthy...