The Federal Trade Commission (FTC) announced five lawsuits againts alleged loan modification and foreclosure scam operators. Today Irvine-based Federal Loan Modification Law Center or Fed Mod was served by the FTC with a lawsuit alleging that the company is charging unsuspecting homeowners upfront fees of $1,000 to $3,000 for a loan modification service, but the company rarely completed and often failed to get a modification.
I am located in Southern California and have seen this company advertising heavily on TV and radio. It is well known on the mortgage street here in the IE, OC and LA that Fed Mod was a predatory loan modification company and had a mickey mouse operation based on churning and burning struggling homeowners. I have heard, received and witnessed maybe hundreds of actual complaints in the past year.
All I could do for these POOR scammed homeowners was direct them to the FTC, DRE and AG. So, I am glad they followed through with this lawsuit.
From the FTC:
In addition to the New Hope Modifications and Hope Now Modification cases filed last month, the Commission today announced complaints were filed against the following defendants:
FedMod – Federal Loan Modification Law Center LLP doing business as Federal Loan Modification Law Center and under other various other names; Anz & Associates, PLC; LegalTurn, Inc.; Federal Loan Modification LLC; Boaz Minitzer, Nabile Anz, and Jeffrey Broughton. The FTC would like to thank the Attorneys General of California and Idaho, the Better Business Bureau (BBB) of the Southland, the Orange County District Attorney’s Office and the Spokane, Washington BBB for their invaluable assistance in this case. This case was filed in the U.S. District Court for the Central District of California.
Bailout.hud-gov.us – bailout.hud-gov.us, bailout.dohgov.us, and Thomas Ryan. This case was filed in the U.S. District Court for the District of Columbia.
Home Assure – Home Assure, LLC, B Home Associates, LLC, doing business as (dba) Expert Foreclosure, Michael Grieco, Michael Trimarco, Nicholas Molina, and Brian Blanchard. The defendants also have been the subject of law enforcement actions or investigations by the Minnesota, North Carolina, and Florida Attorneys General. This case was filed in the U.S. District Court for the Middle District of Florida, Tampa Division.
The Commission vote to issue each complaint was 4-0
FTC’s Law Enforcement Actions
The FTC announces five law enforcement actions targeting perpetrators of mortgage-related scams. According to the FTC, these schemes typically operate in the following way. First, they use terms like “guarantee” and “97% success rate” to mislead consumers about the mortgage modification or foreclosure relief services they can provide; they charge up-front fees for these “services” – fees legitimate nonprofit organizations do not charge; and they use copycat names or look-alike Web sites to appear to be a nonprofit or government entity. Often, after collecting the fee, these companies do little or nothing to help consumers. In each case described below, the FTC is seeking, or already obtained, a temporary restraining order to halt the defendants’ illegal conduct.
Federal Loan Modification Law Center (FedMod). FedMod markets mortgage loan modification and foreclosure relief services to homeowners who are in financial distress, delinquent on their mortgages, or in danger of losing their homes to foreclosure. According to the FTC’s complaint, FedMod charges consumers from $1,000 to $3,000 in fees for these services, much of which must be paid up-front, but fails in numerous instances to obtain the promised loan modifications. In radio advertisements, the FTC alleges, FedMod induces homeowners to call its toll-free number by misrepresenting that it is part of or affiliated with the federal government, although it is not.
According to the complaint, FedMod often fails to answer or return consumers’ calls or provide updates about the status of their loan modifications, and assures consumers that negotiations with their lenders are proceeding when, in fact, little or no effort has been made to contact the lender.
Nabile “Bill” Anz, managing attorney for Federal Loan Modification Law Center and one of three people named in the FTC complaint filed Friday, said his company may have been aggressive, but it has obeyed the law. He is willing to work with the FTC to change any practices it condemns, including the company name, Anz said.
Since getting up an running in December 2008, Anz said his company has taken on about 5,000 clients and achieved loan modifications for 1,000.
The company refunds consumer fees if they fail to get a loan mod, Anz said. So far about 10 percent of his clients have requested a refund or already received one, he said.
Anz said he is running a law firm, and lawyers have a place in the mortgage business.
Moe’s comments:
My understanding is that no where on the website does it list a law firm or who the attorneys are. I also was made aware by a secret informant that the Federal Loan Modification Center (Fed Mod) is actually operated by mortgage brokers who have some type of “creditor” agreement with the lawyers that act as fronts to legally collect up front monies and allows non-lawyers to be in business with attorneys.
FYI – Lawyers cannot be in business with non-lawyers and this looks like a clever little scheme to avoid the California State Bar, DRE and now the FTC laws and quite possibly criminal charges.
More from the FTC:
Bailout.hud-gov.us. According to the FTC’s complaint, defendant Thomas Ryan used a foreign Internet registrar to falsely register two sites – bailout.hud-gov.us and bailout.dohgov.us. The sites were used to entice financially strapped consumers to seek mortgage loan modification services under the guise that the services were associated with, or were actually, the U.S. government, including HUD and the Treasury Department.
The FTC alleges that the defendant misled consumers nationwide.
A federal district court granted the FTC’s motion for a temporary restraining order which required the Internet Service Provider (ISP) hosting the sites to immediately remove them from the Internet. The FTC and the defendant stipulated to a preliminary injunction prohibiting him from holding himself out as an agency of any U.S., state, or local government, or as being affiliated with any such agency.
Home Assure d/b/a Expert Foreclosure. In this case, the FTC alleges that the defendants promise consumers facing imminent home foreclosure that they can stop the foreclosure, regardless of the amount the consumer owes his or her lender.
The defendants are charged with falsely claiming that they have special relationships with lenders, have helped thousands of consumers avoid foreclosure, and will provide a 100 percent satisfaction money-back guarantee. They typically charge consumers an up-front fee of $1,500 to $2,500 but, the FTC alleges, do little or nothing to help them avoid foreclosure and fail to give refunds when foreclosures are not stopped.
Hope Now Modifications LLC and New Hope Property LLC d/b/a New Hope Modifications LLC. On March 24, the FTC announced two related cases alleging that the defendants misled consumers about their ability to provide mortgage loan modification and foreclosure relief, and misrepresented that they were affiliated with or part of the HOPE NOW Alliance, the non-profit, HUD-endorsed organization that is a broad-based coalition of credit and home ownership counselors, lenders, and other mortgage market participants. In each case, the court issued a temporary restraining order with an asset freeze and set dates for a preliminary injunction hearing. The New Jersey Attorney General also filed state court actions against both sets of defendants, and those cases are in litigation. The FTC’s press release is available at: http://www.ftc.gov/opa/2009/03/newhope.shtm.
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Lawsuit? shouldn’t somebody in jail? If i went outside and started robbing people would i go to jail or just get sued?
Have been in the mortgage industry for over 10 yrs and it seems to me that the typical unscrupulous mortgage brokers and unlicensed loan officers that were doing most of the toxic loans and were taking advantage of borrowers by lying to them are now coming back as “loan modification experts” and are continuing to take advantage of the unsuspecting borrower. Even more so now that the borrower is in a vulnerable position and is practically defenseless just trying to survive and trying desperately to save their homes.
I call these low life animals predators and they should be licensed or regulated under the DRE to try and stop their practices and if not to at least prosecute them as criminals under the full extent of the law.
We (the government) should take more preventative action against these scum of the earth predators instead of taking a paasive role and then wasting double the efforts in the “after-the-fact” and then trying to catch them long after they have defrauded thousands of people and lined their pockets with gold. And for what? Only to be sued? They should be sued and go to jail for many, many years.
Bettter yet, lets stop them before they get started!
I think people need to give the loan modification employees a break, their are lot of people looking for jobs and they are the one’s that are available. The modification employee goes to work and they train you on how to qualify a potential client. I believe that the modification employee thinks they are doing the right thing- I did. Then as time progressed I realized nothing was being done. Am I at fault because I took peoples money upfront- I was under the impression that you had to pay for a service and we would save your home. It breaks down that I got lied to and my boss should be held responsible not me- I believed I was helping the distressed homeowner. I’m not scum of the earth, I truly wanted to help and was told by my superior that they would help them but the client had to pay!!!
Yes, I was one of those homeowners that hired FedMod to assist me with with a loan mod. I paid the upfront fee of $3000 and just got the run around & lied to by every representive at FedMod. I had to hire an attorney to get them to refund my money and they refuse to pay my attorney fees. I guess I am lucky to get anything back.
I am also a victim of Predatory Lending but the company is no longer in business. What options or steps can I take to report this? Who do I report to?
My home is up for aution next month (May 2009) and I have been trying to get a loan mod since April last year. I was only one month behind in payments with Citi Residential Lending. They agreed to review a loan modification and instructed me NOT to send in any money until they completed the mod. I was told this on numerous occasions, which I have documented date, time and person that told me, but nothing in writing from Citi. After receiving a pre-qualification letter, I was denied for the loan mod. Citi immediately filed Notice of Default then sold my loan to CitiMortgage effective Feb 11. On Feb 20 a Notice of Foreclosure and Notice of Trustee Sale was posted on my home. I am still trying to get a loan modification with CitiMortgage but am only getting the run around. CitiMortgage does not even have record that my home is up for auction next month. The Notice of Trustee sale lists a title company that resigned from my deed and the beneficiary is the Predatory Lender that is no longer in business. The notice of Foreclosure lists as beneficiary CitiGroup Mortgage Loan Trust, Inc. Is this why my loan servicing company CitiMortgage has no record of the sale? Please advise as I am confused!
THERE IS A COMPANY IN MADISON HEIGHTS MI OPERATING AS SAVE MY HOME USA BUT ACTUALLY THEIR NAME APPEARS TO BE TWO Mm LLC @ 1401 W GIRARD AVE MADISON HEIGHTS MI 48071 PH # 248-629-7112 THEY WILL TELL A BROKER THAT WHEN YOU REFER US A CLIENT WE WILL PAY YOU IN 7 DAYS WHEN IN ACTUALLY THE BROKER NEVER GETS PAID AND THEY CONTINUE TO TELL YOU THERE WAS ONE PROBLEM OR ANOTHER WITH MAILING OUT THE CHECK THAT IS NEVER BEEN MAILED.
In the month of January 09 against my better wishes, my wife contacted The Federal Loan Modification Fake Scam Business to see about getting help for our Mortgage problems. I had recently lost my job as a Counselor due to the facility where I was working at closed down. On 19 Jan 09 my wife paid a sum of $500.00 (a 1/2 payment) that was drawn directly from her bank account. On 3 Feb 09 a second withdrawal from wife account of $500.00 (other 1/2 of payment = $1000.00) was taken before they would start allegedly doing any work. All the while we were waiting for our Mortgage Company to be contacted in order to work out our Mortgage Problems. Only 1 phone was stated to have been made by Federal Loan Modification. We were never contacted even though Federal Loan Modification had both of our phone numbers. After a long period of not hearing from anyone from Federal Loan Modification, my wife contacted and talked with a female that told her nothing could be done to help us and that we could speak with a Jewell McDonald. When my wife finally spoke with a Jewell McDonald our house was sold on the court steps the next day. Jewell McDonald told my wife that we would receive a full refund. We were told that a Brian Sackett would handle all our needs to make sure we got our $1000.00 dollars back. This is the email I received from Brian Sackett: Dear Mr Hemmans:
Please sign and return as quickly as possible. I’m sorry for the delay in your refund, but trust that we are doing everything we can to expedite yours and all refunds. We ask and hope for your patience in this matter and you may reach me at the number below to request a status.
Thanks,
Brian K Sackett
(877) 333-6631 (ext 5972)
(949) 333-5771 (fax)
That same day I paid around $14.00 to have all our information fax that they stated that they needed but should have had already. I was told by Brian Sackett that they would send our payment in one of 2 ways, either overnight (Federal Express) and that they would call the day before to be delivered or they would mail a check to us and call us to inform us that the check had been mailed. I asked Brian Sackett since $1000.00 had been taken from my wife bank account in 2 payments, why could they not redeposit our money? Brian Sackett stated if they were to send our money back in that way, it would take 4-5 business days for the transfer to be made to her account. I contacted Brian Sackett several days later to fairly give them time to process our information. I called Brian Sackett that Thursday and he stated he did not know what I was talking about and could not recall. I told Brian Sackett we were on speaker phone the whole time I was trying to fax our information from Mail Box Etc., we had a fax receipt and how could he not remember that we had multiple problems through Federal Loan Modification for our fax to finally make it through their efax system. Brian Sackett stated he got the fax through a fellow female employee. After a extended period of time, Brian Sackett stated he had found our information. This is another email I received from Brian Sackett (Good Morning Mr. Hemmans:
As of Friday 3-13-09, I am no longer in that department. Please stay in contact with Michelle Morrow at (949) 333-5770 as it relates to the status of your refund. I wish you and your family well in your future endeavors and hope that I was at least somewhat infuential in resolving your matter with us. It was a pleasure to serve you.
Thanks again,
Brian
Brian Sackett had stated it would take 30 days then 45 days then 30 days to receive our refund and not to call because they had to complete their process. Also Brian Sackett pleaded with me not to report Federal Loan Modification because they had already received 25 complaints against them and could not afford anymore. Brian Sackett stated that we would receive our money back ($1000.00) and that we need not worry about filing a complaint. My wife and I waited until 10 Apr 09 to receive our refund. Why? Michelle Morrow who Brian Sackett said was in charge of our refund promised us that we would receive our check refund of $1000.00 by then. On 10 Apr 09, no check came. I tried to call Michelle Morrow for a month, no contact, numerous messages were left by me, I called Customer Service, no answer or return phone calls. But ironically when I called intake for business, they readily answered the phones. I would call intake for business to try and make contact with anybody. I left several messages for a Bill Antz (the owner), no return phone calls. I called intake for business again and asked them, “How are you taking incoming business and I have seen online that numerous people have filed complaints against you?” That Friday night a mysterious person claiming to be a concerned staff who gave his name as Allen Whit called stated we would get our money back. When I finally contacted Michelle Morrow, she stated “NO ONE WILL BE GETTING ANY REFUNDS AND OUR LAWYERS WILL BE IN CONTACT WITH YOU”. Then Michelle Morrow hung up the phone on me, I expressed this blatant disregard, lie and scam to this person named Allen Whit. Allen Whit told me and my wife that he would be in contact with us by next week. I did not hear back from a Allen Whit and when I called, they stated there was no Allen Whit working for the Department? I called back several days later to ask to speak to anyone named Allen. I spoke with someone named Allen that stated he had never spoken to me before but that he would turn me over to a guy named George who out of all the people he knew, would get our negative situation straight. I never heard back from anyone, nor a person named George.
It is now 27 Apr 09, we have not received our refund, can not make contact with anyone, receive a phone call back, etc.
We have been scammed, our money taken and not shown any respect that even animals deserve.
I am a Army Veteran, is there anyone in Government that can help us, or media or a lawyer or something or someone?
I am praying that God will help us.
Sincerely
William
p.s. I could say much more the heartache these nasty people have put us through, but I could write a Book on that and am summing up the best way I can, in the allotted space I have…
I am a victine of Federal Loan Modification center, I have paid about two thousand dollars and they did nothing to help me. Is there any help from the Government to recover this money, because they’ve mess up my whole life by relying on them to save my house. If I happen to go to there office, is either ME OR THEM. Before, I make a grave mistake, is there is any help from the Govermnet? Please reply me. deenajayi@yahoo.com
I worked for FedMod in Irvive, old Gateway building, for a few days- I left after seeing what kind of scam they run. I am not surprised to see this.
Time to ask the Politicians to get involved. This is non-debatable scam. Yes, people deserve to work, and loan modifications are happening. The scam lies in the fact that they are billing you first and giving you the big brush off once they have your money. Also, they are fronting with a lawyer but taking way too many cases for a lawyer to ever be able to handle. We have a local scumbag in Orange County Steven Feldman (I’m pretty sure he was part of FedMof according to other sites on teh web). All he has tiem to do is advertise and bring inclients. There’s no way he’s actually working on any.
I have been dealing with these people since Jan 09… The experiences have played out as the above. I have numerous messages with my POC there and have received nothing from them
I was to taken by federial loan I have been dealing with this company since Dec of 2008. They no problem with taking my 2000.00, and when they could not Modify my home loan thats when the problems started.I tried to contact this company and nothing,I left several mess, and nothing.Someone by the name of Heather Dalton not only e-mailed me but I have a recorded conversation of her telling me I would be getting my money back.I really would like to hear from this company or receive my refund.
I was one more person who scammed like the rest. No call backs from anyone and past from one person to the next. These people even used “GOD” to get at people. At the end of email or phone message they would say “GOD BLESS”. I hope they know they will someday answer for this!
I to was scammed out of $1750 {1/2} and was pawned off from one person to another. It is odd though that you can call as a new client and someone will answer right away. I have been trying to get through since Jan of 2009. I am now hiring an attny.,contacting the “BBB”, fileinga complaint with the Ca. state bar naming Nabile “Bill” Anz as the Owning Attny.
I LARRY CRAFT WAS SCAM BY FEDERAL LOAD MODIFICATION ,IN DISTRESS AND IN DANGER OF LOSING MY HOME TO FORECLOSURE.AFTER THE FEDERAL AND STATE AGENCIES CRACK DOWN ON THE MORTGAGE SCAMS. AND IF YOUR HOME WAS SOLD OR NOT, THE FEDERAL AND STATE SHOULD TAKEN ACTION AGAINST THE [FEDERAL LOAD MODIFICATION LAW CENTER INC] ON TRANSFERABLE TITLE ON BEHALF OF ALL PARTY AND HOMEOWNERS WHO WAS A CLIENT OF THE FEDERAL LOAD MODIFICATION SCAM.
We were scamed for $3800 and are about to lose our house thx to these jokers if anyone knows anyway to try to recover this money please let me know this is so bad!!!
i am also a victim of this company. i was only 1 month behind on my mortgage. i hired them paid 500 up front . they told me not to pay or talk to my morgage company.this started in feb 09. now 3 weeks ago i received a letter saying my house is in foreclosure and will be sold june 2 09. unless i can pay 5226. i have 3 girls under 4. and i dont know what to do…
I was a victim too, $3000.oo, less in my pocket. They are very convincing, I even looked up Anz attorney on the BBB website and it listed it as a AAA rating. The government should make them pay $10,000.
to every victim. Because I relied on them and I could have sought additional help, through a reputable loan modification center. They should have jail time and pay a fine to all victims on top of the refund. Especially since he wants to stay in business. This is another type of business that needs to be regulated by the
Federal Government. We the people have had enough with scam artists and the minimal time they should serve should the go over $1,000, for scamming is 10 years.
That would stop all of these low lifes from praying on innocent, worried people.
PS Everybody go file for bankruptcy, chapter 13 that will save your home. Thast is my only recourse, thanks to FED MOD !!!
Fed Mod !!
We signed on with FLM in Aug. 2008. We gave them $3,000 dollars as they promised to lower our Monthly mortgage payment with our lender. They said this would take up to 6 weeks to do.(we called them weekly) they said everything was going as planned. Our monthly mortgage was $2,400(my wife had taken a decrease in pay.This was the reason for modifying) In Sept.08, all of a sudden the people that worked on our case were said to have left the company. (surprise,surprise) They assigned another loser to our case. It was not till December that FLM said they could not do anything for us with our lender (5 months later)FLM told us not to pay our mortgage all that time. We got our money back from these losers as we had to threaten them. Now our mortgage with our lender is $3,100 per month due to the negligence of this company and may be facing some serious consequences! Boaz Minitzer is the Ceo of this company and should be shot for messing up our mortgage! I now see that the Federal Trade commission is after them! I hope they put them out of business! Federal Loan Modification should pay off my mortgage for all the damage they did! And everyone else’s! Yeah, they modified our mortgage…but the wrong way…up instead of down! I hope that Boaz Minitzer loses his home like all the customers his company serviced!
Boaz Minitzer should pay everyones mortgage off after stealing all their money. I was one of the lucky ones that got my money back from this loser company. They ruined my mortgage…and now i will have to fiqure out what the hell I am going to do. I hope he and his company rot in hell!
Better yet…take everything he owns! They are all liars and cheats.
I beleive Iam a victim of this Fed Loan Modification
I have been dealing with them since Feb 09 I gave them $1,000 upfront to help me with a mortage I signed with someone else on & was told I would get my money back if they were not able to help.I first spoke with a Bob Corlette,after giving them my money I started speaking to a
Vanessa she did call me back to get info & then said that my mortage company would not work with them.As for my refund I spoke with a Megan Eubanks, that told me I would get my refund back the first week of May that has not come yet. I also spoke with an Angie Broughton no repsonse back yet. I have called everyday leaving numerous numbers for then to reach me @ nothing.I desperately as do all the other people need my money back. Not only will my wages be garnish but now Im out of a $1,000 that is alot of money for anyone now days.I hope these people can live with them self after doing annocent people like this when they were in need of help.
this company also took money from me and gave me the run around every number i call does not get me nowere
My husband came to me also about this company,now we are also victims of this company. We were not behind on our payments at the time we signed a contract with them. Scott Denisenn is the man we were speaking with at the time. we were looking at getting our interest rate down so we would not loose our house, my husband had lost his job and i was the only one working tring to support 4 boys. scott had informed me that it would look better if we got behind on our payments. so stupid me listens and lets our payments fall behind thinking that our past due payments will go at the end of our note according to scott. little do i know that i was getting myself and my family closer to not having a roof over our head.I also have been trying to call and no one has answered or returned my calls. Today my e-mail got sent back to me saying the address is incorrect and this is the address i received my application from. What can we do about this? Can we sue for our money back plus get something for pain and suffering…..
I was ripped off, I feel like a fucking loser.
My wife and I were making my parents mortgage payment on top of our own, these fuckers told us to stop making the payment, and refer all calls from the mortgage company to FLM legal department. Need I say more?
If you deal with this company….do not (i repeat)do not stop making payments on your mortgage regardless of what Federal Loan Modification says! They have ruined my mortgage and now I have to pay more monthly to my lender!They will put you into foreclosure by not paying!
I HATE FEDERAL LOAN MODIFICATION COMPANY. I HOPE IF YOU FUCKERS ARE READING THIS! BILL AND JEFFEREY! BUNCH OF FUCKING LIARS… YOU BOTH REMEMBER WHAT GOES AROUND COMES AROUND. YOU SCREWED THE EMPLOYEES OVER AND ESPECIALLY OUR CLIENTS OVER. YOU BETTER FIND A WAY TO PAY ALL OF US BACK REAL SOON OR GUESS WHAT…YOU ARE GOING TO BE ROTTING IN JAIL FOR LIFE.
GO TO HELL BILL ANZ AND ALL THE FAKE ATTORNEYS THAT WORK WITH YOU. HOPE YOU AND YOUR FAMILY ROTT IN HELL. YOU BETTER THINK REALY QUICK HOW YOU WILL BE TAKING CARE OF THE CLIENTS AND THE EMPLOYEES YOU SCREWED OVER. YOU OWE US SO MUCH MONEY, CAN’T WAIT TO SEE YOU LOOSE ALL YOURS.
HI, FED MOD LOAN OF IRVIN CAL. RIPPED ME OFF, THEY PROMICED RESULTS OF LOWERING MY PAYMENTS BY HALF, TOLD ME TO QUIT MAKING MY PAYMENTS, THIS WAS NOV 08, NOW IM LOSING MY HOME IN A WEEK, THANKS TO THEM, AND HAVE NOT RECIEVED ANY MONEY BACK, EVEN WAS TOLD IT WAS ON THE WAY, SCAM ,SCAM, SCAM. WISH SOMEONE WOULD HELP ME GET MY MONEY BACK PLUS COMPISATION FOR LOSS OF MY HOME.
I also was also scammed…3800 bucks…6 months….no repsonse…taking matters into my own hands at this point with a local law firm…does anyone know how to get your refund/money back…or sign up as part of a larger class action suit?…these fuckers should be shut down.
email me at daleflorjr@gmail.com
Please Take Heed everyone! Go on to the Federal Trade commission website and file a complaint! This is the only way you can get action! Also better business bureau!
I was scammed out of $1750.00 in March, 2009 and I was told that I would received my refund on June 1st and to date I have not. No one will return phone calls or even reply to the countless e-mails that I have sent. It is very strage to me that prior to me sending in money I would get a call and e-mail everday, and when I called I would get a reply the minute I hang up the phone, but now after I paid the money, I cannot even get a return call or a person on the line. This is really a big scam and I hope there is a class action sue that I can be a part of. Anyone have anymore info that could be helpful to us all? It is not that we had a lot of money to spend. We took a chance to modify my loan, but it was a scam.
well folks seems we all were takin for a ride, my home goes for sale on june 19, thanks to fed mod, and same as everyone else i have recieved not one dime back after paying 2600.00 dollars to them, they said it would be 45 to 60 days well time has come and gone, im losing my home because i trusted someone to lower my payments in half like they said, phone tag with machines for six months ,nothin, hope someone helps us with gettin our money back and compisatiopn for the loss of our home, im very sick because of all the strain they have put on my life, thank you rob goldman, if that is your name for nothin, god help us all.
Boaz Minitzer, Nabile Anz, Jeffrey Broughton own Federal Loan Modification LLC. (along with other ficticous companies) They will be brought down to their knees when rotting in jail! The Federal Trade Commission will shut you down for bilkiing large sums of money from regular hardworking people just trying to save their homes. You will all lose everything you have just like the people you serviced! You should all be ashamed of yourselves…you are nothing but thieves! The ponzi scheme will end soon for you! Ha,Ha,Ha.
After researching everything I could find out about the Ceo of Federal Loan modification LLC this is what I have concluded: The Ceo of this company is also involved in Real estate. I have concluded that after his company deliberlately puts people into Home forclosure then he buys the forclosed real estate and makes a profit on resale! That’s why he has his fingers in everything. It’s all about greed! I don’t care what anyone thinks but there is a method to this guys madness. Get rich quick scheme at the expense of others pain! He will lose everything! What goes around…comes around!
I too am a victim of these idiots. I do believe in karma, and I hope this comes back to bite each and every one of them. Much thanks to Chi Yi and Kimberly Kim for their deceptive practices. At some point, they will experience the hell they put us through while trying to save our homes. Go FTC, and lets do a class action lawsuit so these liars can go to jail where they belong.
I sent 1500 dollars to fed loan mod law centers in febuary well 3 months later they did nothing , so I asked for my money back and Tami Whitford said the ywill refund my money in 6 to 8 weeks, to this day Ive not seen a dime. So if any one can help me please email me . Thanks
Does any one know how to get ahold of these assholes , all I get is machines but no one ever calls back. I was told I would have a refund in 6 to 8 weeks about 12 weeks ago. Thanks
I sent in $3000.00 to Federal Loan Modificationsthis year 2009. This was to help the process for one of my employees on refinancing on their house. The person I talked to was Jeff, and he told me that is the process did not work, that my advance of $3000.00 would be totally refunded to me. Since I have yet to see the refund, and now when you call them, all you get is a recording. Ed Cleavenger I’m looking to get with other consumers on a Class Action Suit against FLM
Who do I contact to try and get my money from the Federal Loan Modification Law Center in Irvine Ca.
i need to know how to get my money back because it was taken in April
My wife and I retained the services of FEDMOD in April 2008 and paid the full $3,000 fee in June of that year. We have been passed around to many different “account representatives” over this past year and have not been able to speak to the same rep twice. Our lender has now decided to cancel our modification now and I cannot get in contact with anyone from FEDMOD at any number I have or can find. We have been scammed and will likely lose our house not to mention the immense strain this has put on our marriage. I don’t know if we will survive this…we have 2 little kids that I am scared for.
Please People, Listen carefully! Please write a complaint to the Federal Trade Commission and Better business bureau! I think that FedMod has been shutdown due to the FTC lawsuit has placed on them for deceptive advertising and practices! I got my money back in February ‘09 after threatening them with legal action. Last year we tried to modify our mortgage using this outfit and I think they only called my mortgage provider once. (5 months later they said they could not do anything for us)
They all lie! They told us not to pay our mortgage all that time! That was a big mistake! This company ruined our mortgage and increased it due to being in arrears. Please read this note and file a complaint with the above!
(FTC and Better Business Bureau)
I was scammed as well by Fed Mod. I have been waiting for my refund since Feb. 2009 of 2000. I am a single mom of five children and desperately need that money back. Does anyone know how I can get it back or is it gone forever? Thank you,
WELL DOES ANYONE KNOW WHEN WE WILL RECEIVE WORD OF A CLASS ACTION SUIT, IM DEVISTATED BY THESE CROOKS ACTIONS, LOST MY HOME AND NOT A DIME BACK FOR REFUND, HAVE ANY INFO, POST IT HERE.
If you paid by credit card or debit card you may be able to get your money refunded by your bank or credit card company because this is a clear case of fraud.
First; go to the FTC website and file a complaint so that your name is on record because they are actively pursueing a judgement of refunds for everyone taken by this company.
Second;download a copy of the most recent complaint against FLM.
Third;call your bank or credit card company and explain that you were defrauded by this company and you have proof that they were shut down by the FTC for fraud and non-performance.
My bank credited my account the same day and a few days later sent me a letter stating that they had already recovered $795.00 of the $1295.00 that they had credited me.
I’m not sure how this would work if you paid by check but what the hell,it’s worth asking!
I’m researching any class action suits and will re-post if I find anything out.
Good luck!
Thanks, Jeff. FLM got $3500.00 from us. We filed a complaint with FTC. We are going to our bank, in the morming. We used a debit card. Thanks for the info.
We to were scammed and can’t get any callbacks. I have filed a complaint with BBB and FTC over a month ago. Thanks Jeff for the information. I will call them today and see what they say since I did pay with a credit/debit card. If anyone files for a class action lawsuit or knows a lawyer that will take our cases them please come back with a reply.
i also was scamed.took 1000.00 dollars and never called.never would answer thier phones so i asked for my refund back.they said i would get it back in april.never got it and now they have a non-working number.i am layed off andhave 4 children at home.WHAT CAN I DO NOW!
please help.how can i get my money back.i am layed off with 4 kids.how can people live with themselves with a scam like this
I too was scammed for $2250.00. Thanks for the info and I would like to sue them for putting me in the mess I am in. I am headed for the bank also since I paid with a debit card.
After the FEDMOD doors were SHUT. Many of the employees HAVE NOT BEEN PAID!! Bill Anz manipulated his way into ANOTHER LOCATION: One Technology Drive Irvine CA. New phone #1- 888-768-8050. His new partners: Scott Carl,John Trinh. Guess what? They still bounce checks and steal from anyone they can. They are HABITUAL CHECK BOUNCERS, and laugh their way to the bank ON EVERYONE ELSES MISERY! Contact the BBB, FTC, and Heck why not their OWN DOORSTEPS!
Oh really? This is typical and foolish if it is true….
So does anyone know how we can get our money back?
http://www.ripoffreport.com/reports/0/343/RipOff0343077.htm
Looks like all they do is scam people! Scott Karl BAD BUSINESS MAN, AND A THIEF.
http://www.ripoffreport.com/reports/0/343/RipOff0343077.htm
Bill Anz, Scott Karl,John Trinh belong together! LOOKS LIKE SCOTT KARL IS UP TO HIS OLD ANTICS!
I was taken for a RIDE! My thanks to Glenn Badgett, Kimberly Kim, Allison, and a host of other devils within the Fed Mod organization. I am facing homelessness, losing my child, and a whole host of other problems. All I want is MY money back. Pain and suffering wouldn’t hurt. A little interest for the trouble. I was promised a refund back in March, according to the FLM contract, refunds are processed and mailed WITHIN 10 business days. I’m still waiting. Maybe they use a different calendar. Well, Jeff, I thank you for the advice. I hope it works. I have 2 days to send my mortgage company $860 or it will go up for sale. I need moral support guys!!!
I was scammed as well, in May for $1600, no answer on the phone or website,don’t know what to do…
I know I just filed a complaint with someone… I forget the name and now am getting ready to file a complaint with the Federal Trade Commission and the Attorney General. I would love to findout if there is a way for us to getour money back. I know I have paid $3000 and received a call about a month ago for another $500, but didn’t give it to them. Now I call all over to get my money back and all the phone lines are disconnected. I feel so helpless. Any suggestions? Please replay back to me at: desertrosenovember@yahoo.com
PLEASE CAN ANYONE HELP????
6months ago I saw a program on tv about home loan modification. My daughter had
bought a home for her and her 6 children 2yr.s prior and was working 2 sometimes 3
jobs to suport them. The losn on her house was sold to another loan co. and they started raising her payments until she was paying 1900.a month. and having to use
her credit cards to make ends meet every other month.
So I called her and convenced her that she should contact CHRISTION DILLION’S attorneys office and let them help her modify her loan so she could save herself
from looseing all she has worked for.
She wasn’t delinquit on her loan but was always having to pay late fees because litton morgage co. would not make her payments due when she got paid on the 10th
of the month. Anyway she took my adice and went an saw the lawyer.
He told her that yes her sittuation was exactly what they were looking to remedy.
He said it would only cost 5,000. to ger her loan lowered not only in payments but
the principal as well.(the house was appraised at 300,000,she paid 250,000 and then
it was valued at 170,000! NOW IT’S VALUE IS 84,000!!!
She had to stop paying her payments otherwise the loan co. wouldn’t be willing to
make any loan mod. with them and she could us her money for the loan to pay them.
after they got all the money then they would get her loan modified. It took three months to pay them and then they said with in sixth to ninty days max every thing would be all new. NO DELINQUET CHARGES she would just start bran new he assured her that they had worked with litton and that they had a good working relationship with
their lawyers. He also assured her that if they didnt get her loan modified they sertainly refund her money. I tried to get her to hold at least half the money back
until everything was done. But she was so excited and hopfull that everything was
going to work out, and he told her that that is just the way all lawyers handle cases
no one works a case without haveing been paid there is to much exspence with papers needing to be filed and man hours etc.
After they got their money they changed boy did they change. They no longer returned her calls right away, her case was handed to another person she new nothing about they told her they would keep her updated as to what was being done
every friday.In the mean time she could work on getting all her credit cards paid down and make sure she had no negitive credit reports etc. and she did. she even got all the kids to the dentist started working only two jobs and was able to get the kids school clothes and replace her broken washingmachine and have some minor repairs done on her home. As the deadline got closer she heard less and less from them. Working two jobs it was getting harder for her to get in touch with them. But when she did they assured her that they were in nagotiations with her linder. Then she got 12 letters from her linder all saying exactly the same thing that if she didnt pay up her payments they were going to start prosessing her home to be sold.
They lawyer said for her to fax them the papers and again not to worry.
Now her deadline is here and the lawyer has told her that she has to agree to pay the loan co. 1600. amonth for the next 3 months and then the loan co. will let her know if they will consider her for loan modification. And that she will have to work out any modification agreements because they are no longer going to handle her case.
Plus they had her resubment all the papers she had already done. They never did a thing but take her money and make where she is going to loose everything. He even went so far as to say that litton is an very difficute loan co. to work with and if she didnt agree and sign papers to do what they want she was not only going to lose her home but they would be comming after her for the difference in price because the home is no longer valued at the oraginal price.
She recived the papers today!!!! DOES ANYONE KNOW WHAT SHE CAN DO?????
PLEASE EMAIL ME ASAP
sign desprate Grandmother & mother
Thanks Jeff for the info about going to my bank. I have submitted a claim disputing the $2000 that I feel FedMod stole frome me I hope I get some of it back. I want to be a part of the class action lawsuit against them. Please let me know what I need to do. Tiffanycrosson@yahoo.com. Thanks again for all your comments.
My husband and I were scammed for $4,190.00 in Jan 09. I have not been able to get anyone to help me get my money back. I paid with a credit card, however, even they cannot help me as there is apparently a timelimit for “fraud” on that too.
Is there anyone who knows a really good, and cheap, attorney to help? We are now looking at bankruptcy!
Thanks Jeff
We’re in if there’s a class action. We were taken for $4,190.00 in Jan 2009. Been trying like crazy to get any of it back. Have contacted my credit card company, but was informed that there is a time limit to fraud claims. Will call them again with this new information.
We are getting ready to hit the “red button” in personal finance.
BANKRUPTCY
Some time has passed, Just wanted everyone to know that Nabile Anz (owner of FLM) was recently Disbarred in California and cannot practice law there after stealing millions from his clients. To me, this is not good enough. I still think that they should liquidate all his assets and send his ass to jail for all the misery he and his company have caused! I’m sure all you people feel the same way. I would’nt count on getting your money back as they closed the doors on this character’s business. What a loser! If they don’t send him to jail…what will prevent him from practicing in another state?
I would also like to know if there is anything that I can do to get my money back?? Please help me if you knowof a way or if I need to call or fill something out.
thanks
robyn
If there is a class action lawsuit please contact me. This Nabile Anz, owner of FLM should be in jail. I know he was recently Disbarred in California, but he is like Madoff. He should be forced to pay us all back. He should rot in jail for the rest of his life!
I am a victim of FedMod and was wondering if there is a class action lawsuit in play to get everyone’s money back. Please contact me at black13asw@hotmail.com if you have any information.
Sincerely,
Aaron Williams
I have too fallen for this scam my family needs help and the money due to us returned. It has effected our credit and put us quite behind on mortgage. If there is a lawsuit please contact me as soon as possible, not only the money but they have all of our personal paperwork to our bank accts etc. Please contact me TWayne9er8@aol.com
Sincerely,
Wayne & Heather Arnold