Consumer reviews and reports on scam companies, bad products and services
16th of Jun, 2011 by User899714
Written by William B on May 7, 2008 this company will get their just rewards... see article TALLAHASSEE -- Attorney General Bill McCollum today sued a Clearwater business, alleging it engaged in deceptive and unfair practices by charging for foreclosure consulting services but failing to provide the assistance promised. According to the lawsuit, Law & Associates, LLC claimed it could help homeowners who were facing foreclosure and charged an up-front cash fee of approximately $1,500 to $2,000. Consumers reported to the Attorney Generals Office that the company not only failed to provide promised services but also refused to refund the fee despite an advertised money-back guarantee. More citizens in Florida are facing the very real possibility of losing their homes to foreclosure than anywhere else in the country, said Attorney General McCollum. "My office will continue working to ensure that businesses who offer assistance to these people are held accountable to the law," said McCollum. Law & Associates sends direct mailers to individual homeowners who are facing foreclosure. The mailers allegedly tell the homeowners they must call the company within 72 hours to see if they are eligible for a plan to stop the foreclosure process. The company also advertises online, allegedly promising to stop the foreclosure process and providing a money-back guarantee if they do not achieve a viable strategy with the lender to stop the foreclosure. When homeowners contact Law & Associates, they are allegedly told they qualify for a plan to stop foreclosure but must pay the hefty cash fee for Law & Associates to take their case. Once a homeowner pays the fee, he or she purportedly receives a written contract from Law and Associates that contains numerous terms and conditions not previously disclosed to the customer. According to the lawsuit, most of those terms and conditions are designed to prevent a homeowner from being entitled to a refund if Law & Associates is not successful in stopping the foreclosure. The Attorney Generals office has received more than 65 complaints from consumers about Law & Associates. The Attorney Generals lawsuit alleges six counts against Law & Associates and Thomas E. Law, II for violations of Floridas Deceptive and Unfair Trade Practices Act. The Attorney General is seeking penalties of $10,000 per violation and reimbursements for consumers who paid the fees. The lawsuit also asks the Court to require the company to cease its operations. ......................... Law & Associates, LLC, Thomas E. Law II PDF Print E-mail
1140 Kapp Drive Clearwater, FL 13660 Wright Circle Tampa Fl (Thomas Law is associated with this address) Case Number: L07-3-1131 Allegation or issue being investigated:
Violation of Chapter 501, Part II, Florida Statute - Failure to perform on contract to assist in foreclosure matters ......................... FLORIDA: On April 3, 2008, the Florida Attorney General's Office filed a Six Count action against the company and its Managing Member, Thomas E Law, for alleged violations of the Florida's Deceptive and Unfair Trade Practices Act, (Case # L07-3-1131, filed in the Circuit Court of the Sixth Judicial in and for Pinellas County, Florida). Some of the allegations against the company include: --Using deceptive and false advertising;
--Failing to disclose the restrictions and prohibitions prior to collecting fees in habiting the consumer's ability to obtain a refund;
--Failing to provide the promised services;
--Failing to honor the money back guarantee; and
--Offering repayment plans that were not feasible to consumers; These matters are still pending and for more information and details on the action, please contact the Florida Attorney General's Office at (850) 414-3990 begin_of_the_skype_highlighting (850) 414-3990 end_of_the_skype_highlighting or MINNESOTA: On November 14, 2008, the Minnesota Attorney General's Office filed a default judgment against the company alleging violations of Minnesota's Consumer Fraud Act (Case Number 27-CV-08-20980, filed in the District Court of the Fourth Judicial District in and for Hennepin County, Minnesota). Some of the allegations against the company include: -- Failing to render foreclosure services once the company paid;
-- Making false and misleading statements;
-- Failing to disclose the refund policy on contracts;
-- Collecting an upfront fee for services before any services were provided; and
-- Failing to register with the State of Minnesota in order to be able to conduct business. The company and its principals are enjoined from: -- Marketing or performing services as a foreclosure company;
-- Offering mortgage foreclosure assistance to homeowners whose homes are in foreclosure; and
-- Accepting payment of any kind for foreclosure services. The company has been ordered to make full restitution to all Minnesota residents who paid the company for foreclosure consulting services, pay the State of Minnesota $25,000 as a civil penalty and pay an additional $999.00 to the State of Minnesota for investigation and attorney's fees.
For more information and details on the action, please contact the Minnesota Attorney General's Office at (651) 296-3353 begin_of_the_skype_highlighting (651) 296-3353 end_of_the_skype_highlighting or Law & Associates, LLC Phone: (800) 329-9973 begin_of_the_skype_highlighting (800) 329-9973 end_of_the_skype_highlighting (Disconnected)Fax: (800) 345-4022View Additional Phone Numbers1140 Kapp Dr, Clearwater, FL 33765- [email protected]! There is an alert for this business !
877-467-3595 begin_of_the_skype_highlighting 877-467-3595 end_of_the_skype_highlighting
813.855.5443 begin_of_the_skype_highlighting 813.855.5443 end_of_the_skype_highlighting
[email protected]$file/LawandAssociatesComplaint.pdf Tom
Asier Holdings
4437 days ago by Dmcnulty

Has anyone had trouble with law & associates, llc in Clearwater, FL?
I have paid them and they have yet to do anything for me. They haven't even contacted

my lender. I wrote them a letter to refund the money I gave them on the basis of

misleading & no doing what i paid them for. if anyone has been dealing with them

please let me know your outcome. All I want is my money back.any advice would be

appreciated.What are the chances that I'll get my money back?




1140 Kapp Dr
Clearwater, FL 33765

CLEARWATER, FL 33761-2200

727-424-9692 PERSONAL CELL
4425 days ago by Dmcnulty

Madigan Alleges Florida Company Takes Advantage of Homeowners
on the Verge of Losing their Homes to Foreclosure

Chicago – Illinois Attorney General Lisa Madigan today continued her aggressive legal

fight against mortgage fraud by filing a lawsuit against a Clearwater, Fla., company

which operates a rescue fraud scheme that preys on vulnerable homeowners on the verge

of foreclosure. This is the 14th lawsuit Attorney General Madigan has brought against

mortgage rescue fraud companies.

Madigan filed suit in Cook County against Law & Associates LLC, and its managing

member, Thomas E. Law, II, alleging the defendants violated the Mortgage Rescue Fraud

Act and the Consumer Fraud and Deceptive Business Practices Act by falsely promising

to help consumers save their homes after falling behind on their mortgage payments.

According to the complaint, the defendants charged consumers up to $1, 900 and

promised to provide mortgage foreclosure rescue services that they either failed to

perform the services or only performed ineffective services. Attorney General

Madigan’s Consumer Fraud Bureau has directly received one complaint relating to the

defendant and 68 complaints referred from the Better Business Bureau.

“In the midst of the mortgage foreclosure crisis, unscrupulous people are using so-

called mortgage rescue scams to prey on vulnerable homeowners, ” Attorney General

Madigan said. “I am continuing to take aggressive action against these illegal

schemes to send the message that their deceptive and fraudulent practices are not

welcome in Illinois.”

Madigan’s lawsuit alleges Law & Associates market mortgage rescue services to at-risk

homeowners, encouraging them to call a toll-free number where they are told there is

an upfront fee of $1, 990 for mortgage rescue services. Consumers who indicate they

cannot afford the charge are offered a reduced rate of $1, 800 on a payment plan that

must be paid in full prior to them receiving any mortgage rescue services. The

defendants also promise desperate homeowners that the service fee is refundable if

the company is not able to successfully negotiate an agreement with the homeowners’

mortgage lenders or provide a “viable strategy” to avoid foreclosure. The lawsuit

alleges the defendants fail to provide the services promised and fail to refund the

service fee.

Madigan’s suit asks the court to prohibit the defendants from engaging in mortgage

rescue practices. The suit also seeks a civil penalty of $50, 000, additional

penalties of $50, 000 for every violation found to have been committed with the intent

to defraud, and a $10, 000 penalty for each violation committed against a person 65

years or older. Further, the suit asks the court to rescind the contracts signed as a

result of these deceptive practices and offer full restitution to affected consumers.

Finally, Madigan’s suit asks the court to order the defendants to pay all costs

associated with the investigation and prosecution of the lawsuit.

The lawsuit is part of Madigan’s ongoing work to curtail the foreclosure crisis and

help Illinois families stay in their homes. Madigan’s office has sued 14 mortgage

rescue companies to stop deceptive practices and successfully participated in three

multi-state settlements against major subprime lenders: Household Finance, Ameriquest

and First Alliance Mortgage Company. To date, Madigan’s office has obtained nearly

$900 million in enforcement actions against these lenders.

Last year, Madigan announced a comprehensive strategy to address the looming home

foreclosure crisis in Illinois. As part of this effort, Madigan’s office hosted a

statewide home ownership preservation summit in July 2007, bringing together more

than 100 participants from the mortgage lending industry, consumer advocacy groups

and government agencies to identify problems and look for solutions to mortgage


On the legislative front, Madigan worked to pass the High Risk Home Loan Act of 2003,

and drafted the Mortgage Rescue Fraud Act of 2006, which was designed to deter scam

artists from preying on vulnerable homeowners on the verge of foreclosure. The

Attorney General also initiated and drafted the Illinois Homeownership Protection

Act, a new law that tightens controls on brokers and lenders to prevent consumers

from being unwittingly locked into questionable loan terms.

Madigan also has sued mortgage giant Countrywide Home Loans, Inc., for deceptive and

fraudulent loan origination practices. Additionally, she has issued fair lending

subpoenas to Countrywide and Wells Fargo Financial Illinois, Inc., to determine

whether these companies steered African American and Latino borrowers into higher

cost or otherwise inappropriate home loans in violation of fair lending and civil

rights laws.

Madigan urged Illinois homeowners who are facing foreclosure to immediately contact

their mortgage company or a HUD-certified housing counselor for assistance. To get a

referral to a certified housing counselor or to learn more about the steps to take to

avoid foreclosure, homeowners can call Madigan’s Homeowners’ Referral Helpline at

1-866-544-7151 from 8 a.m. to 5 p.m. Monday through Friday.

Homeowners also can visit Attorney General Madigan’s Web site at, to access the Illinois Mortgage Lending Guide, a

resource manual containing step-by-step instructions for those struggling to make

their loan payments and a list of HUD-certified counseling agencies that offer

default counseling services. Homeowners who do not have easy access to the Internet

should call the Attorney General’s Referral Helpline to request a copy of the guide

by mail.

Assistant Attorney General Kevin Rouse is handling the case for Madigan’s Consumer

Fraud Bureau.
4425 days ago by Dmcnulty

Massachusetts Halts False Foreclosure "Rescue" Activity
Firm claimed to be "non-profit"

June 22, 2009

One by one, the state of Massachusetts is targeting firms that claim they can

"rescue" distressed homeowners from impending foreclosure. The Massachusetts Attorney

Generals office has obtained a preliminary injunction against defendants H.O.P.E.

Alliance, Inc., (H.O.P.E. Alliance), Law & Associates, LLC and Thomas E. Law, II.

The preliminary injunction prohibits the defendants from publishing advertisements

concerning foreclosure-related services, contacting Massachusetts consumers regarding

foreclosures or mortgages, and taking and/or soliciting advance fees from consumers.

The preliminary injunction follows a temporary restraining order granted against the

defendants in early June.

In a complaint centers on the all-too-common practice of soliciting unlawful advance

fees for foreclosure-related services, and unnecessarily delayed negotiations

regarding loan modifications. The two together, says Massachusetts Attorney General

Martha Coakley, usually pushes homeowners further into debt.

The complaint also alleges that H.O.P.E. Alliance, with the help of co-defendants Law

& Associates, LLC, and Thomas E. Law, II, solicited homeowners facing foreclosure by

sending letters that directed them to a toll-free number and to the website

The website states that it is an alliance of nonprofit organizations and housing

counselors that can assist homeowners in obtaining a loan modification or stopping

foreclosure. The website also states that it is a 501 (c) (3) non-profit


"H.O.P.E. Alliance is not registered with the IRS or the Attorney General's Office as

a non-profit, " Coakley said. The Attorney General's complaint also asserts that in

its letter to homeowners, H.O.P.E. Alliance deceptively used a similar name to the

government-sponsored non-profit organization, HOPE NOW Alliance.

During telephone calls with consumers, defendants apparently attempted to skirt the

law by asking for a "donation" instead of a fee, but Coakley says the request is

still an unlawful fee. Defendants also allegedly promised to obtain loan

modifications for consumers, and then after months of delay either failed to provide

any services or only provided inadequate assistance to homeowners.
4389 days ago by Dmcnulty
Thomas E. Law, II., so it appears this guy is not an attorney, yet is trying to capitalize on his last name and give the appearance of having the ability to do what he states.was sending out direct mail solicitations to Floridians who were going through the foreclosure process. The company offered foreclosure consulting services, but charged a large up front fee for those services, never followed through on the services, and failed to return monies despite a money back guarantee.LAW AND ASSOCIATES LLC, CLEARWATER FLORIDA.

As the whole world knows, Lee County, Florida is leading the nation in foreclosures. The cities in Lee County that are experiencing the highest foreclosure rate are Cape Coral and Lehigh Acres. According to the latest statistics, something like 1 in 86 homes in Lee County are in the foreclosure process, and not much is being done to fix the leak in the dam.

Of course, with every crisis, there will be scam artists who will try to make money from the less fortunate, and there will be those that try to stop the scam artists. The Florida Attorney General, Bill McCollum, recently filed a lawsuit against a business in Clearwater, Florida for the use of unfair and deceptive practices against the public. The company named Law & Associates, LLC was sending out direct mail solicitations to Floridians who were going through the foreclosure process. The company offered foreclosure consulting services, but charged a large up front fee for those services, never followed through on the services, and failed to return monies despite a money back guarantee.

This scam involves the company monitoring the public records for foreclosure filings. Once they obtain the names and addresses of the individuals being foreclosed upon, Law & Associates, LLC immediately starts a direct mail campaign aimed at getting the homeowner to pay the consulting fee. (Interestingly, a search of the Florida Bar’s website reveals that that there is no known member of the Florida Bar listed as Thomas E. Law, II., so it appears this guy is not an attorney, yet is trying to capitalize on his last name and give the appearance of having the ability to do what he states).

Either way, the distressed homeowner is told that they have 72 hours to contact the company and when they do contact the company, they are told that they are eligible for the program, but they have to come up with a consulting fee of $1, 500 to $2, 000 for the company to take their case.

If the distressed homeowners can come up with the funds, then they must sign a contract which pretty much waives the consumer’s rights to have their money back. To realize the impact of this strategy, you have to realize the vulnerability of the distressed homeowners. These are good people who are desperate to save their homes, and they have probably been around the block several times with their lenders trying to get the mortgage modified or had their payments sent back to them for one reason or another, and they just want some relief.
4381 days ago by Dmcnulty
AUTHOR: Eileen - EXETER (U.S.A.)

SUBMITTED: Friday, January 05, 2007
Tom is a liar . First of all lets clear something up LAW AND ASSOCIATES IS NOT A MEMBER OF THE BBB. I am not surprised that Robert sticks up for him. Another pin head. They scammed us out of 1500.00 which my Atty is handling. I gurantee we will get that back. A few others I know are involved in a suit against them hopefully that idiot will loose his business. Anyone who can prey on someone in this type of situation is nothing but a lowlife.

Florida Debt Settlement, Inc.TAMPA FLORIDA

Aesir Holdings Inc.TAMPA FLORIDA


Thomas E Law II
1601 Souvenir Dr
Clearwater, FL 33755-1638
727-424-9692 CELL
4381 days ago by Dmcnulty
My mortgage company had begun the foreclosure process on my home approximately 2 years ago. The mortgage company was still willing to work with me but demanded 2500 dollars to stop the sale of my home. I got online desperate and eventually was contacted by a sweet lady named Paula from Law and Associates who was so mortified that my lender was so unsympathetic to my situation and even gave me the story how she lost her home and that is why she got into this business of helping people. i told her I couldnt come up with the 2500 dollars required by my lender and Paula proceeded to assure me that she would stop the sale of my home for a fee of 1500 dollars. They were willing to take 2 seperate payments so I had to go for it.

To make a very long hard story short, I paid Law and Associates 1500 dollars to do absolutely nothing...a young man got involved and told me that the bank would take about 200 dollars or so less than they had quoted me. Well 1500 dollars less at this point I certainly didnt have 2300 dollars lying around to give them. The gentleman then advised me to contact the mortgage company myself b/c he didnt really know what else to do.

I made phone call after phone call to my lender and various other lenders and even attempted bankruptcy, all to no avail. I lost my home and when I went back to law and associates to have them honor there "100% money back gaurantee" they made up every lie and excuse they could to keep from paying me back (which they never did btw). I spoke with the "owner" of the company Tom who was not the slightest bit helpful or sympathetic and very mean.
If mortgage companies are bad these people are truly the devil...they are knowingly preying on people in a vulnerable situation and must be stopped! I'd LOVE to see how many success stories they have...I'm betting ZERO!!

Fed Up
anywhere, Ohio

Florida Debt Settlement, Inc.TAMPA FLORIDA

Aesir Holdings Inc.TAMPA FLORIDA


Thomas E Law II
1601 Souvenir Dr
Clearwater, FL 33755-1638
727-424-9692 CELL
4381 days ago by Dmcnulty
Law And Associates, LLC They took my money and didnt get my Clearwater Florida

1140 Kapp Drive Clearwater Florida 33765 U.S.A.

Phone: 800-3299973

I went to this company to get help with my mortgage company. They said they would help negotiate my behind payments. I paid them $2290 for their service, but lost my job the following week, so I didn't qualify for there program anymore, and they wouldn't give me back my money. They didn't even contact my mortgage company. And my house was eventually foreclosed!!!

Also, there website said money back gaurantee...They still wouldn't give me back my money...

They have since taken off the MONEY BACK saying on their website, however, I did print a copy of it for proof! I am still trying to get that $2290 back from July 2007!

sacramento, California

Florida Debt Settlement, Inc.TAMPA FLORIDA

Aesir Holdings Inc.TAMPA FLORIDA


Thomas E Law II
1601 Souvenir Dr
Clearwater, FL 33755-1638
727-424-9692 CELL
4376 days ago by Dmcnulty
Debt Settlement Law Group PA

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