Consumer reviews and reports on scam companies, bad products and services
Mortgage Legal Center
Mortgage Legal Center First Family Justice Center Loan Mod Rep Functioning as Attorney??? Santa Ana, California
15th of Mar, 2011 by User892571
This company and number we were given seems like a SCAM, just does not make sense, and seems illegal per: Unauthorized Practice of Law: No person shall practice law in California unless the person is an active member of the State Bar. Cal. Bus. & Prof. § 6125. The “practice of law” includes giving legal advice and advertising or holding oneself as an attorney or
entitled to practice law when in fact such person is not an active member of the State Bar. See Birbower, Montalbano, Candon & Frank, P.C. v. Sup. Ct., 17 Cal. 4th 119, 128
(1998); Bus. & Prof. § 6126(a). The penalties and remedies for the unauthorized practice of law include (a) being
convicted of a misdemeanor, punishable by up to one year in jail, a fine of up to $1,000
or both; (b) actual damages suffered by your prospective clients; (c) restitution of
amounts paid; (d) reasonable attorney’s fees and costs expended to rectify errors made in the unlawful practice of law; (e) prejudgment interest at the legal rate from the date of loss to the date of judgment; and (f) rescission of sales made in connection with a
violation of law. Bus. & Prof. § 6126.5(a)(1)-(6). 2. Unlawful Solicitation: Unlawful solicitations include using firm names, trade names,
fictitious names or other professional designations falsely stating or implying that you
have a relationship with another lawyer or law firm. CRPC § 1-400(E). The 714-605-6400 and 866-384-2775 number we were provided also had this ad in for more hired help to RIPOFF the public off (ALSO ILLEGAL). Sales Reps Needed For California Law Office (Santa Ana) Our Top reps earn 7k+/month – Targeted Leads, Inbound Calls, Mail Drops Stop Foreclosure! We are a cutting edge Firm that provides our clients a ground breaking alternative to Loan Modification. We help people stay in their homes and possibly get their home free and clear. We are a Law Firm that is stoping forclusures and preventing through the the federal court system Why would ANYONE do business with this person or firm when their are LEGITIMATE law firms (Mitchell J. Stein and Philip Kramer) handling the Mass Joinder Lawsuits instead of Orange County Boiler Room operations run by idiot thiefs who cannot even spell.....
2976 days ago by Mike H

Be wary of anyone who promises that they can "fix" your mortgage for you. Anything they "claim" they can do, you can do better.

With as many as 8 million American homeowners facing foreclosure in the next year, there are many pop-up "rescue" companies swooping in to take advantage of people in desperate financial situations.

Even if you haven't been experiencing issues with making payments on your mortgage, you've probably noticed ads on TV, radio, online, and in print that 100% guarantee to modify your mortgage to make it more affordable. Maybe they've even found a way to contact you directly and you've been tempted to go along.

The truth is that whatever they promise to do for you-and some charge up to $7, 500-you can likely do just as well if not better yourself and for free.

Be extremely wary of scams if you read or hear any of the following from a company or individual that promises to "fix" your mortgage:

1) They want upfront fees: This is illegal. Foreclosure consultants are not allowed to collect any money before performing services for you.

2) They want you to transfer the title of your house to their company: This is often a simple scam to get you to hand over your home. Oftentimes, the promise is that you will be able to buy it back or lease it, but most people just get evicted.

3) They want you to pay your mortgage payments to their company, rather than to your lender: Quite simply, they will in all likelihood keep your money for themselves.

4) They ask that you ignore letters from your lender or loan servicer: Actually, you should be reading those letters and trying to deal with them.

5) They rush you into signing documents without reading them first: This is often a trick where you think that you are signing official documents to help your cause, but you are actually transferring over ownership of your house. This sadly happens quite frequently.

6) They ask you to not consult with a lawyer: Come on! If their business was legit, why would consulting with a lawyer be a problem?

7) They guarantee you a loan modification: How is this even possible without knowing your situation?

8) They tell you not to talk to government-approved counselors for advice: this is exactly what you should be doing.

So, what should you do?

First of all, If you are falling behind on your mortgage, start seeking help before you go into foreclosure.

Learn as much about the mortgage modification process as possible.
Call your lender yourself and see if you can make a deal. Foreclosure is expensive for your lender, and therefore your lender is far more likely to make a deal with you.
Get in touch with a housing counselor at the U.S. Dept. of Housing & Urban Development (HUD) or a local (not national) HOPE housing counselor.
People in desperate situations often feel powerless and are not thinking clearly or using common sense. They do not realize that they actually have the power to help themselves.

They so want a miracle that they forget that if it sounds too good to be true… it probably is.

Read more:
2976 days ago by Mike H

Forensic Mortgage Loan Audit Scams: A New Twist on Foreclosure Rescue Fraud
Fraudulent foreclosure “rescue” professionals use half-truths and outright lies to sell services that promise relief to homeowners in distress. According to the Federal Trade Commission (FTC), the nation’s consumer protection agency, the latest foreclosure rescue scam to exploit financially strapped homeowners pitches forensic mortgage loan audits.

In exchange for an upfront fee of several hundred dollars, so-called forensic loan auditors, mortgage loan auditors, or foreclosure prevention auditors backed by forensic attorneys offer to review your mortgage loan documents to determine whether your lender complied with state and federal mortgage lending laws. The “auditors” say you can use the audit report to avoid foreclosure, accelerate the loan modification process, reduce your loan principal, or even cancel your loan.

Nothing could be further from the truth. According to the FTC and its law enforcement partners:

there is no evidence that forensic loan audits will help you get a loan modification or any other foreclosure relief, even if they’re conducted by a licensed, legitimate and trained auditor, mortgage professional or lawyer.
some federal laws allow you to sue your lender based on errors in your loan documents. But even if you sue and win, your lender is not required to modify your loan simply to make your payments more affordable.
if you cancel your loan, you will have to return the borrowed money, which may result in you losing your home.
If you are in default on your mortgage or facing foreclosure, you may be targeted by a foreclosure rescue scam. The FTC wants you to know how to recognize the telltale signs and report them. If you are faced with foreclosure, the FTC says legitimate options are available to help you save your home.

Spotting a Scam
If you’re looking for foreclosure prevention help, avoid any business that:

guarantees to stop the foreclosure process – no matter what your circumstances are
instructs you not to contact your lender, lawyer or credit or housing counselor
collects a fee before providing any services accepts payment only by cashier’s check or wire transfer
encourages you to lease your home so you can buy it back over time
recommends that you make your mortgage payments directly to it, rather than your lender
urges you to transfer your property deed or title to it
offers to buy your house for cash at a fixed price that is inappropriate for the housing market
pressures you to sign papers you haven’t had a chance to read thoroughly or that you don’t understand.
Finding Legitimate Help
Housing experts say that when you’re behind on your mortgage payments, maintaining communication with your lender is the most important thing you can do. Contact your lender or servicer immediately if you’re having trouble paying your mortgage or you have received a foreclosure notice. You may be able to negotiate a new repayment schedule.

Call 1-888-995-HOPE for free personalized advice from housing counseling agencies certified by the U.S. Department of Housing and Urban Development (HUD). This national hotline – open 24/7 – is operated by the Homeownership Preservation Foundation, a nonprofit member of the HOPE NOW Alliance of mortgage industry members and HUD-certified counseling agencies. For free guidance online, visit For free information on the President’s plan to help homeowners, visit

To learn more about home mortgages and other credit-related issues, visit This site offers short, practical tips, videos, and links to reliable sources on a variety of topics from credit repair, debt collection, job hunting and job scams to vehicle repossession, managing mortgage payments and avoiding foreclosure rescue scams.

Reporting Fraud
If you think you’ve been dealing with a foreclosure fraudster, contact:

Federal Trade Commission –
Your state Attorney General –
Your local Better Business Bureau –
The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a video, How to File a Complaint, at to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
2967 days ago by 916lrinker
These bozos continue to call my home phone despite repeated requests to be removed from their system. The message they leave is from "Eugene" and that he has my file in front of him and would like to resolve my mortgage problems. What file??? What sort of info is in this "file"?? I have never called them nor would I ever do business with a company that cold calls like that. I have never been late on my mortgage and will likely never will be as I only purchased my property last year at a bargain price and the payment is several hundred dollars cheaper than what I was paying for rent. When I called again today the jerk I talked to would not let me speak to Eugene and he said that he has calls waiting from customers who do need their help. When I asked that they PLEASE do not call again and that I would file a complaint with the BBB he hung up on me. Where are these guys based?
2957 days ago by Honest Al
I worked for a VERY short time for these unethical, lying, dishonest, drug using criminals (one owner is a parolleee) and I would recommend another firm to work with. Believe it or not, there are honest modification firms out there with 1st rate attorneys. Not bottom of the barrel people like Consumer Education Network/First Family Jusitce Center. The Boiler room is in Irvine and office in Santa Ana.

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