Consumer reviews and reports on scam companies, bad products and services
DO NOT US THIS COMPANY ::: Financial Help 4 Homeowners, Just Help LLC, MJ Anton, and Note Reductions
10th of Feb, 2011 by User135328
DO NOT US THIS COMPANY ::: Financial Help 4 Homeowners, Just Help LLC, MJ Anton, and Note Reductions Company. This company is great at taking your money for a Forensic Audit and you never get a forensic audit. I paid $149 for a forensic audit and got nothing. Also, the owner, MJ Anton, is a CROOK. He is great at taking your money and do nothing. He is now scamming people out of $1995 for a Principal Note Reduction, which doesn't even exist. Attorneys are not getting Principal Note Reductions, and he certainly can not. But, he wasn't to take your hard earned $1995 money and promise you the world. He is practicing law without a license.... DO NOT GIVE THIS MAN ONE CENT !!!!! He is alot of talk and BS. He is also charging for Loan Modifications. IT IS AGAINST THE LAW TO CHARGE FOR A LOAN MODification if you are not an attorney. PLEASE BEWARE OF MJ ANTON and do not give him one cent !!! He talks a good game but he is a crook
4252 days ago by Mjanton62
This is the exact same post that appeared on Rip-Off Report...

SUBMITTED: Monday, February 07, 2011

POSTED: Monday, February 07, 2011
I am responding to Kathleen of Orlando;

My partner & I began this business to assist homeowners who were in default and potentially foreclosure last April. We wanted to give homeowners an honest & affordable option, we were disgusted by the Loan Mod companies charging homeowners thousands of dollars.

We felt that we should get paid based on our performance, so yes we did charge an initial fee of $149 and once we recieved a modification that the homneowner agreed to, then we charged one month of the new payment.

If I or my partner wanted to rip-off anybody, we certainly would have charged more than $149, being paid once the deal was closed we thought would be the fair alternative to homeowners.
We have assisted dozens of homeowners, and continue to do so.
A few months ago we decided to shut down the "HomeSaver" program...we no longer accept new clients into the program, even though many still ask (because of our cost structure & honesty)...we are following thru with each homeowner that entered the program to make sure their lender treats them fairly. We will not let anyone "hang out to dry".

Our agreement specificially states we are not attorneys & we will not hold ourselves out as attorneys.

Our focus has been on the Principal Reduction Program. We are one of many affiliates aligned with a management company that partners with a Private Investment Group. We did extensive research of different companies to see who we wanted to partner with, because we wouldn't have enough volume of homeowners if we attempted this on our own. Once a homeowner is qualified for the Principal Reduction Program which takes approximately a week, then the only fee they pay is $1945.

As Kathleen says, "Principal Note Reduction doesn't even exist"...I'm sure many people said the same thing about Short-Sales 5 years ago. Note Reduction is a real program and it does exist, presently we have contributed to 5 mortgage pools that have been sent to investors.
One of the main reasons we dropped the HomeSaver program was because of the stress involved with saving homeowners from foreclosure and we didn't want to be in the Loan Modification business.

The Mortgage Note Reduction is NOT a modification and there are several criteria for a homeowner to be qualified including; verification of income, employment & being current on their mortgage.

By the way not only have we not taken in a client named Kathleen from Orlando, we have not taken in a homeowner or spouse of a homeowner in any location with the name, Kathleen.

Feel free to contact me...I am an open book
Michael Julius Anton (MJ)
[email protected]
4209 days ago by Nrob2244
Hi! Unfortunately, when clients don't do what they need to do on their end or they simply don't qualify for help they become disgruntled and choose to bash others.

Help 4 Homeowners has been pretty good so far. My next door neighbor, a widow on a fixed income tried to get a modification direclty with Capital One after a her principal source of income passed away. Capital One was ruthless and wouldn't budge. My neighbor stopped paying her mortgage while under a new modification with the assistance of Help 4 Homeonwers and after a year was approved for not only a modification, but her one year of non-payment was forgiven and not tacked on to the back of her loan. Her representative, from Help 4 Homeowners, had the VP of Capital One on the phone for this agreement. Help 4 Homeonwers will work for you and they do not let go until they have results.

I referred my friend to Help 4 Homeowners and they worked with her for a year until she was modified. I recently found myself needing their assistance as well. My husband was unemployed for an entire year and as soon as he was let go, I called my mortgage company and was put on a trial modificatin for 3 months. Well, by the 7th month and constantly calling my mortgage company for final modification approval, I was denied the modification although I payed on time for 7 months. I then seeked out Help 4 Homeowners and they have been with me for almost a year and have not stopped working for me yet! I still have my house, I am not in foreclosure and anyone else would be at this stage of the game, but Help 4 Homeowners have a firm grip, they know the law, they know the process and mortgage companies can't bully them like they can bully many homeowners.

The results may be sooner for some than for others, but patience and trust is required. Ignorance is the absence of knowledge. In any situation, the result of one will never be the result for another. Every situation is different and the result are on their own merit. You cannot condemn Help 4 Homeowners if your unique situation did not afford the result you were seeking.
4007 days ago by Williamj67
I also worked with MJ Anton's co for a mod on our loan after getting the run around for a year by our mortgage co. MJ only charged the $149 up front and worked diligently on getting our mod. We did eventually get a trial offer which was going to lead into a perm. offer (which we couldn't accomplish on our own). We decided to walk away from the house for personal reasons and when I told Anton we were walking he only wished the best and never mentioned to numerous hours his personell had spent on our loan, he never once asked for additional money, he said only if I have a signed permanent agreement would I have to pay more. I actually sent him a check for $400 of MY OWN FREE WILL to cover their expenses on our behalf. Now several months later I am pleasantly surprised to find a $149 refund check in the mail from Anton. This is why I felt compelled to write my testimony about working with Anton, I would call him without hesitation if the need arises again, Sincerly William J.

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