As many others, I contracted with Legal Home Loan Solutions last September, afterDebbie Koile, Mortgage Modification Analyst, calculated for memy combined new mortgages based on HAMP guidelines. Sheadamantly representedthat they were "the best at it", they had a 95% success rate and an A rating with BBB. I checked the internet and didn't see any derogatory information about them. Based on my income, I was going to go from $1,700 down to $1,100, escrow included, according to her and they would not give up until the modification was permanent.

Unaware that requesting money upfront for mortgage modifications is illegal in FL, I paid the $2,500 she requestedand provided her with all the documentsL.H.L.S. were asking for. On or about11/12/10,I received a phone call from Ledy Moreta, Negotiator; she had allegedly contacted Chase, Chase had refused tomodify my loanand there was "nothing more we can do at this point". I was incensed and immediately wrote to Debbie Koile, who assured me that a "supervisor" would be contacting me to get to the bottom of it. No one everdid despite further e-mail correspondence.

In the meantime, I started seriously researching and realized thatneither mortgage company was recorded in the county recorder's file. I asked Ledy Moreta if she had assured that either held the note(s) and had alegal stand to negotiate any modificationwithout the note (s) and she replied that "this is not something we do"and to ask for them myself. I fired L.H.L.S. and demanded my money back. Not a word from them since. I filed a complaint with BBB in mid-December and, come to realize, there are 42 complaint in file, 36 of them from 2010. Today,I received a letter by mail from L.H.L.S. (different address in Jupiter) stating that they had exhausted all theirfinancial resources and were closing their office and advising me to find another attorney or represent myself.This costly little joke may throw me into Chapter 7 but if I lose my house and everything I ever worked for, I won't losealone. We have laws in this country and I am taking the position that anyone associated with that outfit is an accomplice.

Funny thing, though: in the letter I received, it is stated that "you may request [your documents and our file notes] by mail or by e-mail at . I tried that email address and google informed me that it simply doesn't exist. I have, so far, filed complaints with FL. AG, FTC, BBB, the FBI, the US Postal Service, naming every individual I dealt with. I am now preparing to contact the newspapers and TV stations. And since I have all the e-mails we ever exchanged, Iexpect those agencies to contact me and ask for my documents when time comes to prosecute. If anyone has started a class action, I would be more than willing to also go that route to get my money back.

And while those agencies and entities conduct their investigations, I intend to sleep like a baby and enjoy my life. There is such a thing as divine justice.