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SCAM!
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I WAS SCAMMED OUT OF MY MONEY, ACCUSED OF FRAUD AND LIED TO FOR ALMOST 10 MONTHS. IT IS ILLEGAL TO COLLECT AN ADVANCE FEE. THEY ARE ONLY ALLOWED TO COLLECT A FEE AFTER THE SERVICE IS COMPLETED. ALSO, THEY NEED TO BE REGISTED WITH OFR, WHICH THEY ARE NOT. IF THEY HAVE COLLECTED AN ADVANCE FEE OR RETAINER FROM YOU PLEASE FILE A COMPLAINT WITH THE FLORIDA ATTORNEY GENERAL AND THE OFFICE OF FINANCIAL REGULATIONS. THE INFORMATION TO THE FLORIDA BAR IS ATTACHED AS WELL. THERE IS INFO TO FREE HUD COUNSOLERS TOO. DO NOT PAY FOR A LOAN MODIFICATION SERVICE. IT SHOULD BE FREE. DO NOT GET SCAMMED AND FORECLOSED ON LIKE ME AND MY FAMILY ARE NOW BECAUSE OF INDEPENDENCE LAW GROUP.
Please visit Attorney General Bondi's mortgage fraud website for a list of
our current investigations and tips on how to avoid mortgage fraud
schemes:
http://www.myfloridalegal.com/mortgagefraud
Effective January 2010, the Florida Legislature placed the primary
enforcement authority regarding loan modification businesses, INCLUDING THE PROHIBITIONS ON ADVANCE FEES. See Chapter 494, Section 494.00296, Florida Statutes. The
provisions of Chapter 494 and Section 501.1377, Florida Statutes, passed
in 2008, prohibit advance fees and other deceptive practices by loan
modification businesses. In addition, Chapter 494 requires that loan
modification businesses be licensed by OFR.
You may contact the OFR at:
Florida Office of Financial Regulation
200 East Gaines Street
Tallahassee, Florida 32399-0370
Telephone: (850) 487-9687
Website: http://www.flofr.com
Complaint Forms: http://www.flofr.com/Consumer/Complaints.aspx
In addition, The Florida Supreme Court has designated The Florida Bar as
the agency responsible for reviewing grievances against lawyers licensed
to practice in this state. If you wish to file a complaint against an
attorney or law firm, please contact The Bar by phone at (850) 561-5839,
or visit the agency's website for more information about the grievance
process:
http://www.floridabar.org/tfb/TFBConsum.nsf/0a92a6dc28e76ae58525700a005d0d53/c5b7d247a0c9c45a85256b2f006c6186?OpenDocument
http://www.floridabar.org/tfb/TFBConsum.nsf/840090c16eedaf0085256b61000928dc/f213ff9530af36db85256f72005ad534?OpenDocument
If you need loan modification assistance, I encourage you to contact the
U.S. Department of Housing and Urban Development (HUD). The HUD can
provide you with information that may prove helpful to your individual
situation such as the Hope for Homeowners program, the redemption period,
and other services. You may contact the HUD toll-free at 1-800-569-4287
or visit that agency online at:
http://portal.hud.gov/hudportal/HUD?src=/states/illinois
The following information regarding mortgage and foreclosure issues may
also prove helpful to you:
http://portal.hud.gov/portal/page/portal/HUD/topics/avoiding_foreclosure
http://www.ftc.gov/bcp/menus/consumer/credit/mortgage.shtm
http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea04.shtm
They are impossible to get a hold of on the phone, everyone's in a meeting or out to lunch when I call to get an update on my loan. They don't call back or return phone calls for days. If you submit something for them to review, they review it a few days later and then send it to the mortgage company. They DO NOT freeze your loan like they tell you they will, they forced us into foreclosure as well. We took their advice and did not pay anymore payments because we were told the mortgage company would send them back. I HOPE TO GOD, I did not pay $2400 to save little or no money. I'd rather just get my money back but my husband is forcing me to see this asinine process till the end. We started this process in the beginning of September and every time I call, I just hear, it will be another 30 days until I hear from the mortgage company if we were even approved or not. IF WE DON'T get approved, I'd expect my money back or I will report them to every mortgage scam hotline and/or website I can find and leave a bad review on every review site I can find. They should have to pay for our lives being in limbo for the last 9 months, forcing our home into foreclosure and causing additional stress by not even knowing if the mod will be approved. DO NOT USE THESE PEOPLE, they are fraudulent liars and this is a complete scam!!!!!!!!!!!!!!!!!!
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