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Home > Debt Articles > Liberty Law Firm in California. Is It Brian Colombana, Esq. or American Financial Modifications?

Liberty Law Firm in California. Is It Brian Colombana, Esq. or American Financial Modifications?

I’m curious if anyone has used the loan modification services of a company that was called American Financial Modifications and they are now called Liberty Law. – Source

Here is what I know so far.

There are two sites for California companies that say they are Liberty Law Firm. See llfirm.net (source) and libertyfirm.org (source).

The toll-free number for American Financial Modifications and one of the Liberty Law Firm sites is the same, 866-868-3090.

Liberty Law Firm in California. Is It Brian Colombana, Esq. or American Financial Modifications?
llfirm.net

Liberty Law Firm in California. Is It Brian Colombana, Esq. or American Financial Modifications?
LibertyFirm.org

LibertyFirm.org was created September 3, 2009

llfirm.net was created October 30, 2009 and is registered to:
Berke Brown [email protected]
17 Goodyear suite 125
Irvine, California 92618

The rumor I’ve heard, and I stress this is just a rumor, is that Liberty Law Firm is charging fees up-front for loan modification services. Normally I would not print an unconfirmed rumor but complaints to the BBB seems to support the allegation.

The BBB gives Liberty Law Firm and F rating. – Source

Complainants allege unfulfilled contracts. Customers complain the company charges large advance fees for loan modifications, but fail to provide the services as agreed. Some complainants allege the company failed to contact their lenders at all. Other customers complain after paying the advance fee, the company failed to communicate with them. The company responds to complaints by stating they are working with the customer, or alleging the customer received services paid for. Additionally, the company alleges modifications were received, refunds were issued or the company issued partial refunds.

The only attorney I could find that was tied to a Liberty Law Firm was a Brian J. Colombana. He is related to LibertyFirm.org through the BBB listing. – Source. And according to this online complaint he is or was also associated with Mortgage Relief Law Center (source) and Housing Law Center (source).

Apparently Brian Colombana was also the owner of Colombana Financial, Inc and Fast Pace Funding. These entities were shut down by the State of California in May 2009 and the California Finance Lenders License was revoked (source) and the corproation is now suspended.

Liberty Law Firm in California. Is It Brian Colombana, Esq. or American Financial Modifications?

I asked Brian about the up-front fees, if he was the attorney for Liberty Law and American Financial Modifications.

He said, “I am an attorney of record for Liberty Law Firm. We have a few others as well. We were never known as American Financial Modifications though. I’ve never heard of them. No one that comes in our office pays anything up front. Well, forensic audits are billed up front but not modification work. We actually do a great deal of work while the client is in our office that we might bill for. But that work was already completed.

For instance, a client may come in for a modification and we’ll go over their whole situation and prepare a case for the lender. Then we’ll call the lender while the client is there and try to work out a trial modification over the phone. Sounds simple but if often takes several hours. If we are successful in getting them a trial modification over the phone, then they would pay us $995. If not, we could put the package together for them and they would pay for that. But it’s always after we do the work.”

This video from Liberty Law Firm sees to support the charge of $995 when you visit to their offices. This video was posted online on December 21, 2009.

[flashvideo file=/wp-content/uploads/libertylaw.flv /]

One online statement from John D. said that a verbal loan modification is worthless.

This company is by far the worst example of what a “law firm” should be. Not only do they violate the laws of california deliberately, they will tell you anything to get your money. THEIR IS NO SUCH THING AS A VERBAL MODIFICATION OVER THE PHONE FOLKS! Listen to their radio ad, “modifications over the phone in minutes guaranteed or your money back!!! I guess what they meant, is that some jack ass salesman that they got off the street, probably a used car lot jockey, calls up your bank, throws around the phrase “law firm” and its suppose to make the representatives at the bank tremble in fear! Little does the consumer know, that they have NO POWER whatsoever to make any kind of promises over the phone. Do you really think that someone answering phones making minimum wage really have the power to grant you a loan modification? Its up to the investors whether or not they are going to grant you a modification, and that is after you go through a trial period…Stay away from these clowns, there is not one lawyer in the group of people that work loan modifications. Oh, and a little advice on customer service….make sure that you address your clients by their CORRECT names!!! Theres nothing worse than calling a guy Bob when his name is Bill! As far as the law goes, its on the front page, read it! No pay for no play! No modification in california= NO MONEY SON! – Source

What I found interesting is that neither Liberty Law Firm site lists any attorney that owns the firms. You have to do some sleuthing to find out who the attorney is. And even the LibertyFirm.org site says they are Liberty Law Firm, LLC but the State of California has no LLC by that name, only Liberty Law Firm, Inc.

I’m thoroughly confused here. I can only imagine how confused a consumer would be.

Liberty Law Firm in California. Is It Brian Colombana, Esq. or American Financial Modifications?

So which company is Liberty Law Firm, Inc. The address of both companies does not match the registered address on the incorporated company?

As of the time I published this I had not heard back from Brian Colombana regarding my follow-up questions.

  1. If you don’t know who American Financial Modifications is then why do they say “American Financial Modifications is now Liberty Law Firm. We are the same people, getting you the same results, we have just renamed our company and we now reside at www.llfirm.net.” and llfirm.net takes you to the Liberty Law Firm site? Is this California company stealing your identity? It’s the same logo. http://www.llfirm.net/contact-american-financial.html
  2. Also, it is my understanding that for all loan modification services in California the company or individual must be a registered foreclosure consultant but when I search Liberty law on http://ag.ca.gov/loanmod I could not find a registered agent. Do you have a specific person that is registered in your office?
  3. One other little point. California does not have a Liberty Law Firm, LLC registered. There is a Liberty Law Firm, Inc. If Liberty Law Firm LLC is not a California company, which state is it registered in?

And apparently if you want to know more about Brian, including the name of the poodle you need to visit this page.

The State of California is very serious about making sure consumers do not pay any money up-front for loan modification services. See California AG Takes Action Against Foreclosure Consultants & Loan Modification Companies.

The State has gone after many loan modification companies and their actions have led to attorneys being disbarred and criminally charged. See California Attorneys Disbarred For Loan Modification Activities and Rolls Out Tough New Regulations Regarding Mortgage Foreclosure Consultants.

Using the link California has to check for registered foreclosure and modification consultants, no company called Liberty Law Firm was a registered consultant.

Liberty Law Firm in California. Is It Brian Colombana, Esq. or American Financial Modifications?

So will the real Liberty Law Firm please stand up.

Update May 11, 2010 KTLA Investigative Report

Here is the KTLA investigative report that they did on Liberty Law. KTLA actually contacted me about the article above and said they thought my investigation was great and helped them in their work on the video piece they did.

 

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Robloc61

    This company is a sham….

  • Alleycats02119

    what about all state law group  

  • Maria

    WELL THERE AT IT AGAIN!!

    Alfred Clausen who was instrumental in making Liberty Law Firm money is now with Siringo Law Group in Upland.
    Heres there info:
    60 East 9th Street
    Upland, CA 91786
    Telephone (909) 982-0123
    Facsimile (909) 982-3499
    E-mail [email protected]
    http://siringolaw.com/Siringo_

    This idiot is hiring for Loan Mod Specialist on craigslist and he is going thru reps like water. I know because a friend of mine told me he interviewed with him. Same arrogant guy. IF you had a loan with Liberty Law Group I would advise you to go down there and get your money out of him. I dont think the Law Firm even knows that he is there and if they do they are worst them he ever was.

  • Maria

    WELL THERE AT IT AGAIN!!
    Alfred Clausen who was instrumental in making Liberty Law Firm money is now
    with Siringo Law Group in Upland.
    Heres there info:
    60 East 9th Street
    Upland, CA 91786
    Telephone (909) 982-0123
    Facsimile (909) 982-3499
    E-mail [email protected]
    http://siringolaw.com/Siringo_

    This idiot is hiring for Loan Mod Specialist on craigslist and he is going thru reps like water. I know because a friend of mine told me he interviewed with him. Same arrogant guy. IF you had a loan with Liberty Law Group I would advise you to go down there and get your money out of him. I dont think the Law Firm even knows that he is there and if they do they are worst them he ever was.

  • Maria

    WELL THERE AT IT AGAIN!!
    Alfred Clausen who was instrumental in making Liberty Law Firm money is now
    with Siringo Law Group in Upland.
    Heres there info:
    60 East 9th Street
    Upland, CA 91786
    Telephone (909) 982-0123
    Facsimile (909) 982-3499
    E-mail [email protected]
    http://siringolaw.com/Siringo_Law_Firm_Home.html

    This idiot is hiring for Loan Mod Specialist on craigslist and he is going thru reps like water. I know because a friend of mine told me he interviewed with him. Same arrogant guy. IF you had a loan with Liberty Law Group I would advise you to go down there and get your money out of him. I dont think the Law Firm even knows that he is there and if they do they are worst them he ever was.

  • Maria

    Alfred Clausen who was instrumental in making Liberty Law Firm money is now
    with Siringo Law Group in Upland.
    Heres there info:
    60 East 9th Street
    Upland, CA 91786
    Telephone (909) 982-0123
    Facsimile (909) 982-3499
    E-mail [email protected]
    http://siringolaw.com/Siringo_

    He is at it AGAIN!! My advice is to call the office and ask for your money. He’s the one who took it.

  • Maria

    Alfred Clausen who was instrumental in making Liberty Law Firm money is now
    with Siringo Law Group in Upland.
    Heres there info:
    60 East 9th Street
    Upland, CA 91786
    Telephone (909) 982-0123
    Facsimile (909) 982-3499
    E-mail [email protected]

    This idiot is hiring for Loan Mod Specialist on craigslist and he is going thru reps like water. I know because a friend of mine told me he interviewed with him. Same arrogant guy. IF you had a loan with Liberty Law Group I would advise you to go down there and get your money out of him. I dont think the Law Firm even knows that he is there and if they do they are worst then he ever was.

  • Klrink13

    liar, I sat in the office with you and Glen on a Saturday, before those two moved.

  • KIM

    IS THERE ANY RECENT CLASS ACTION LAWSUITS FILED ON THAT SLIMEBALL BRIAN COLOMBANA. HE RIPPED ME OFF AND MY WHOLE FAMILY. WE ALL PAID $3000 UP FRONT AND GOT NOTHING FROM THEM, THEY UP AND CLOSED UP ON US AND NOW WE WANT OUR $$ BACK! LET ME KNOW WHO HAS GOTTEN REFUND FROM THEM AND HOW TO GET THOSE LYING DIRTBAGS!! THANKS

  • KIM

    IS THERE ANY RECENT CLASS ACTION LAWSUITS FILED ON THAT SLIMEBALL BRIAN COLOMBANA. HE RIPPED ME OFF AND MY WHOLE FAMILY. WE ALL PAID $3000 UP FRONT AND GOT NOTHING FROM THEM, THEY UP AND CLOSED UP ON US AND NOW WE WANT OUR $$ BACK! LET ME KNOW WHO HAS GOTTEN REFUND FROM THEM AND HOW TO GET THOSE LYING DIRTBAGS!! THANKS

  • Guest

    Another key point – The processing department did have a very hard working processing manager at one time (sorry, I really can’t remember her name) who DID try really hard to push modifications through. They were, however, understaffed, underpaid and overworked. There were also several managers that were tired of the processing backlog and attempted to at least have the banks discuss modifications while the client was signing up for the service. Those of us who OPENLY complained when the processing manager was forced out of the company, pushed to get clients refunded right away were terminated within 30-70 days of initially being employed. MOST everyone at the company was NOT an employee. Everyone that saw the books COMPLAINED to Alfred, Phil and Brian about the miss-use of the money and begged that it stop. Those people that complained were immediately terminated. If processing was allowed to hire just as many processors as there were sales contractors, modifications would have been more successful. HOWEVER, then the company probably would have gone broke because of the loss of money on overhead.

    The very worse part is this… According to public legal documentation, this is not Brian’s first interaction/ownership/officer/however you want to call it with company’s like Liberty. Nor is it his second or his third. He has been doing this for some time. Some employees and contractors at Liberty followed him from company to company. That’s more than just mismanagement, error of judgment, inexperience, whatever excuse you can think that would divert the truth of his continual and calculated EFFORT to spearhead companies that could not only get the hopes of a customer up, but the hopes of personnel that they would have a positive future working with a good company and being left with nothing.

    Therefore, that’s why you have mad customers, mad employees AND mad sales contractors. Everyone hoped the promises they were given would be true.

  • Kathiecarmer

    Well, they got $1400 of my money back in September 09 and did NOTHING to help in the Loan Mod. Guess I need to contact the AG’s office and file, correct?

  • Kathiecarmer

    Well, they got $1400 of my money back in September 09 and did NOTHING to help in the Loan Mod. Guess I need to contact the AG’s office and file, correct?

  • The IT Manager

    I had the great displeasure of seeing the books that were being cooked and I also had the displeasure to be privy to several conversations that implicated both Alfred and Phil as well as to what Mr. Palosi was doing. I watched the money go in directions that it should of never gone. When I confronted the management I was terminated stating that I wasn’t doing my job. That is fine they can think what they want I have moved on. I hope that the Fraud division actually does investigate. I would welcome the opportunity to reveal what I know and I can actually back it up with facts. As the IT Manager (yup it is me) I had access to almost everything. I don’t want to point fingers but when I had to have my cell phones number changed because I had collectors calling me when I was at my work and having to explain on several occasions that I was no longer with the company and being told that I was the one they were referred to is frustrating. I feel for the clients that have lost there money even more so the people that lost their homes. The only reason for this is that the files got shuffled into a pile and the money piled up into a bunch so that it could buy new cars, trips to where ever, dinner, cable bills, and weddings. These managers wanted to look like big shoots and in the end they look like common THIEVES. I have spent the last few hours reading all the posts because I was told that I really needed to look at this. I think that all the energy spent on this posting about how bad things were and how this person did this and that person did this and what should be the most important thing is that us ex employees should hang our heads in shame since we worked their we took the peoples money knowing that it was a scam. Yeah the people that were there for a short time could remain oblivious to it but if you worked @ Liberty Law Firm for more than a month and you got paid and took peoples money without ever so much as twitch. Or those of you that knowingly lied to the Client or Bank. Without ever so much as a word about how this displeased you need to hang your heads and look in the mirror and decide what kind of person you are as well. As far as Brian only getting 60K aww come on are you that naive. I know that for the 3 months that I worked there he picked up 60K for services rendered even though he never even looked at a case. Phil, Alfred, & Andrew. Keep doing what you are doing which is making money but maybe you can also go back and check on the people that you screwed and help them keep their homes. As I said in my letter when I left the company I hope the best for everyone and I still do. If any one of you that worked there when I left you have my email you can write me. any one that needs to write me otherwise post on the board and I will try and revisit this site and gather any emails and write you back.
    Respectfully
    Robert Hefty

  • Not Telling

    Since when did any one at Liberty do half of that. I watched reps calling “The Bank” and tell the bank that the client was sitting next to them and the client wasn’t in actuality it was another rep. I know of some of the reps that pocked money instead of turning in the paper work. I have watched as Phil and Alfred ask for all the personal credit information for each and every client why did they need all that when they were supposes to be running the company they sure as the heck weren’t calling a bank instead they were busy taking the money and pocketing it

  • Not Telling

    ok I am late it reading this stuff but being an ex-insider Disgruntled not really, I left/was fired for voicing an opinion about the company and the 2 Ladies that if you so much as looked cross eyed at you were fired. When threatened with my job I offered to leave.

    At any rate Alfred would never let anything out of that office that he couldn’t recycle and see if he could re use later. How many times did you AE get used and burnt up leads.

  • Not Telling

    How dare you say you were involved in the day to day operations. You showed up long enough to collect a check and leave. Then you had the actual accountant so that you could bring in Bertha a lady that had no idea about accounting. She then just set up so that you could get the money directly out of the bank. The worst part there was so much distrust in the company that that the senior officers all wanted their own private access to the books and bank accounts. Not just blame Brian since he was really clueless as to what was actually going on lets not forget Phil Apodaca & Alfred Clausen who took more then half of the money for their own personal gain. Things like the new Trucks, Cars, large flat screen TV’s, Drinking binges, and Very Expensive Weddings. The other part that was the great secret was that they were planning on starting a restaurant. Then there was the Bankruptcy people taking the proceeds and putting those funds directly into the main company bank account not a Escrow account as required by law.

    one last poke hey Brian how does it feel being disbarred.

  • Nomoreripoffs

    Robert, please email me at nomoreripoffs [at] hotmail [dot] com.

    I am aware of other scams the Malones have pulled on people…..perhaps we can share some information. And, I know that they are using Colombana’s name in their businesses AND his signature is on their paperwork…..contact me…..these clowns need to be OUT of business.

  • Robert

    Hello Brian, Gene and Glen use to work for you. They took our money and never did anything. I have kept some voice mails from your workers. How can we get our money back from them and your office? Can we rely on you to be responsible enough and have enough ethics to pay us back? Will you direct the brothers to pay us back? Robert

  • Robert

    Hello John, these brothers took money from 5 of my family members when they represented Brians Office. We paid approx $2770 each and never were able to talk to Brian. Gene and Glen handled everything. When they did nothing and we asked for refunds, they dissapeared. We would like to join any class suit if you know of one. Robert

  • Fraud

    Hey Brian if your business is so legitimate why didn’t YOUR COMPANY show up at small claims court? hmmmm the judge shredded your contract within minutes…we will collect!

  • Jesus Maldonado

    Gestur, you are right! It doesn’t!!!! This is insane, just show your name. People need to stop blaming people here; it’s not only the organization at fault but everyone who ever worked for all of Brian’s organizations. It’s even sadder that Brian has to take the fault. I’m sick of those people seeking revenge, please take a closer look in the mirror, you are also at fault. Some help, some didn’t, some took money and some were there just to make a living. If any of you guys out there writing negative information will have the balls to use your real name like Bruno, do it. Express how you feel and move on!!!!

  • Gestur Clausen

    There is no way mr. Clausen had awnser like this, only people that want to make trouble write under other names

  • Mr. Clausen

    ha ha! You really think you could get a compete modification for only $995. You guys a bunch on winners.. Move on and let me do my thing. And please stop asking me for refunds. Aint gonna happen….

  • Brian Colombana

    Are you serious? Provident Law Group is owned by Attorney Jeffrey A. Cancilla. Not me. In fact, I have absolutely nothing to do with that attorney or that company. When I ran my company, I was involved in all the day to day aspects. I put all the procedures in place, produced all the retainer agreements and letters that were used by the company. Jeffrey Cancilla on the other hand rents his license out to anyone that wants to start and run their own law firm. He has no idea what’s going on with the company, nor does he care; that is, as long as he gets his paycheck at the end of the month. By the way, if you’re a Provident Law Group client, then you are probably in another state. Did you know that the California State Bar would disbar an attorney for taking on just one out of state client? Sounds like Jeff will definitely want to give you a full refund, if you catch my drift. ;)

  • Clear Creek

    My next step in this process to protect other’s against this monster. Thanks for the info!
    He used the name Provident Law Group to scam me and my family out of $3,000. You are in for a RUDE awakening Brian…hate to be YOU.

  • Link

    Bruno? The same Bruno Lopez from MRLC/HLC/MCLN. Buddy you shouldnt be the one to speak, you were part of Liberty. You were part of the so called greatest heist, Phil has no felonies and Alfred has his faults. Please stop putting our names as we were the only ones who did something wrong. The reason Brian lost his license was due to MRLC/HLC.

  • bruno2324

    Here is the figures. From the 5 million the company made brian only got about 60k since phil and alfred were skimming of the top and not logging all the files. Alfred and phil had several fake marketing companies they created and they wrote hundreds of thousands of dollars to those companies so it looked like a company expense. So, to keep things simple, Alfred, Phil that has a felony conviction for stealing money and Andrew have all the money. Dont be fooled those guys have money hidding somewhere. The Orange county fraud devision will be on this case soon, once they fisnish with a current case. If you reading this Liberty Owners you better start hiring some good criminal Attorneys im glad the money you stole willl soon be gone with Attorneys and Bail..

  • Steve Rhode

    An Orange County, Calif. lawyer who handled dozens of foreclosure cases has admitted extensive misconduct that will lead to his disbarment. Attorney Brian Colombana, who was placed on involuntary inactive status earlier this summer, has stipulated that he committed nine acts of misconduct in 12 matters. He becomes the fifth lawyer who agreed to be disbarred in the state of California in the wake of complaints by homeowners who paid fees to lawyers who then did little or nothing to help them.

    Colombana affiliated with several loan modification companies, including Loan Negotiators of America, Housing Law Center and Mortgage Relief Law Center. In most cases, he never met his clients. His associates, however, advised them to stop making their mortgage payments. When State Bar Court Judge Richard Honn ordered Colombana to stop practicing in June, he said many homeowners were current but then fell behind as a result of that advice. Many “were worse off after retaining (Colombana’s) services,” Honn said.

    In agreeing to disbarment, Colombana admitted that his misconduct “resulted in significant harm to multiple clients (and) . . . constituted a pattern of willfully failing to perform and a habitual disregard for . . . clients’ interests.” – Source

    • bruno2324

      Here is the figures. From the 5 million the company made brian only got about 60k since phil and alfred were skimming of the top and not logging all the files. Alfred and phil had several fake marketing companies they created and they wrote hundreds of thousands of dollars to those companies so it looked like a company expense. So, to keep things simple, Alfred, Phil that has a felony conviction for stealing money and Andrew have all the money. Dont be fooled those guys have money hidding somewhere. The Orange county fraud devision will be on this case soon, once they fisnish with a current case. If you reading this Liberty Owners you better start hiring some good criminal Attorneys im glad the money you stole willl soon be gone with Attorneys and Bail..

      • Link

        Bruno? The same Bruno Lopez from MRLC/HLC/MCLN. Buddy you shouldnt be the one to speak, you were part of Liberty. You were part of the so called greatest heist, Phil has no felonies and Alfred has his faults. Please stop putting our names as we were the only ones who did something wrong. The reason Brian lost his license was due to MRLC/HLC.

      • Mr. Clausen

        ha ha! You really think you could get a compete modification for only $995. You guys a bunch on winners.. Move on and let me do my thing. And please stop asking me for refunds. Aint gonna happen….

      • Gestur Clausen

        There is no way mr. Clausen had awnser like this, only people that want to make trouble write under other names

      • Jesus Maldonado

        Gestur, you are right! It doesn’t!!!! This is insane, just show your name. People need to stop blaming people here; it’s not only the organization at fault but everyone who ever worked for all of Brian’s organizations. It’s even sadder that Brian has to take the fault. I’m sick of those people seeking revenge, please take a closer look in the mirror, you are also at fault. Some help, some didn’t, some took money and some were there just to make a living. If any of you guys out there writing negative information will have the balls to use your real name like Bruno, do it. Express how you feel and move on!!!!

      • The IT Manager

        I had the great displeasure of seeing the books that were being cooked and I also had the displeasure to be privy to several conversations that implicated both Alfred and Phil as well as to what Mr. Palosi was doing. I watched the money go in directions that it should of never gone. When I confronted the management I was terminated stating that I wasn’t doing my job. That is fine they can think what they want I have moved on. I hope that the Fraud division actually does investigate. I would welcome the opportunity to reveal what I know and I can actually back it up with facts. As the IT Manager (yup it is me) I had access to almost everything. I don’t want to point fingers but when I had to have my cell phones number changed because I had collectors calling me when I was at my work and having to explain on several occasions that I was no longer with the company and being told that I was the one they were referred to is frustrating. I feel for the clients that have lost there money even more so the people that lost their homes. The only reason for this is that the files got shuffled into a pile and the money piled up into a bunch so that it could buy new cars, trips to where ever, dinner, cable bills, and weddings. These managers wanted to look like big shoots and in the end they look like common THIEVES. I have spent the last few hours reading all the posts because I was told that I really needed to look at this. I think that all the energy spent on this posting about how bad things were and how this person did this and that person did this and what should be the most important thing is that us ex employees should hang our heads in shame since we worked their we took the peoples money knowing that it was a scam. Yeah the people that were there for a short time could remain oblivious to it but if you worked @ Liberty Law Firm for more than a month and you got paid and took peoples money without ever so much as twitch. Or those of you that knowingly lied to the Client or Bank. Without ever so much as a word about how this displeased you need to hang your heads and look in the mirror and decide what kind of person you are as well. As far as Brian only getting 60K aww come on are you that naive. I know that for the 3 months that I worked there he picked up 60K for services rendered even though he never even looked at a case. Phil, Alfred, & Andrew. Keep doing what you are doing which is making money but maybe you can also go back and check on the people that you screwed and help them keep their homes. As I said in my letter when I left the company I hope the best for everyone and I still do. If any one of you that worked there when I left you have my email you can write me. any one that needs to write me otherwise post on the board and I will try and revisit this site and gather any emails and write you back.
        Respectfully
        Robert Hefty

      • Guest

        Another key point – The processing department did have a very hard working processing manager at one time (sorry, I really can’t remember her name) who DID try really hard to push modifications through. They were, however, understaffed, underpaid and overworked. There were also several managers that were tired of the processing backlog and attempted to at least have the banks discuss modifications while the client was signing up for the service. Those of us who OPENLY complained when the processing manager was forced out of the company, pushed to get clients refunded right away were terminated within 30-70 days of initially being employed. MOST everyone at the company was NOT an employee. Everyone that saw the books COMPLAINED to Alfred, Phil and Brian about the miss-use of the money and begged that it stop. Those people that complained were immediately terminated. If processing was allowed to hire just as many processors as there were sales contractors, modifications would have been more successful. HOWEVER, then the company probably would have gone broke because of the loss of money on overhead.

        The very worse part is this… According to public legal documentation, this is not Brian’s first interaction/ownership/officer/however you want to call it with company’s like Liberty. Nor is it his second or his third. He has been doing this for some time. Some employees and contractors at Liberty followed him from company to company. That’s more than just mismanagement, error of judgment, inexperience, whatever excuse you can think that would divert the truth of his continual and calculated EFFORT to spearhead companies that could not only get the hopes of a customer up, but the hopes of personnel that they would have a positive future working with a good company and being left with nothing.

        Therefore, that’s why you have mad customers, mad employees AND mad sales contractors. Everyone hoped the promises they were given would be true.

  • Steve Rhode

    An Orange County, Calif. lawyer who handled dozens of foreclosure cases has admitted extensive misconduct that will lead to his disbarment. Attorney Brian Colombana, who was placed on involuntary inactive status earlier this summer, has stipulated that he committed nine acts of misconduct in 12 matters. He becomes the fifth lawyer who agreed to be disbarred in the state of California in the wake of complaints by homeowners who paid fees to lawyers who then did little or nothing to help them.

    Colombana affiliated with several loan modification companies, including Loan Negotiators of America, Housing Law Center and Mortgage Relief Law Center. In most cases, he never met his clients. His associates, however, advised them to stop making their mortgage payments. When State Bar Court Judge Richard Honn ordered Colombana to stop practicing in June, he said many homeowners were current but then fell behind as a result of that advice. Many “were worse off after retaining (Colombana’s) services,” Honn said.

    In agreeing to disbarment, Colombana admitted that his misconduct “resulted in significant harm to multiple clients (and) . . . constituted a pattern of willfully failing to perform and a habitual disregard for . . . clients’ interests.” – Source

  • Email

    So what’s the new plan? Who is in and who is out? Who is working with whom and who has been left behind? Too many rumors, Alfred back on Guasti, Brian offering the R.E.S.T. program, everyone partnering right back up with Marissa who is working with Chyvonne, Deyanari and the General Manager for that office is Arturo. LOL! You got some info post it! You know who did the most damage, Citywide Audit Services offering fake loan audits for 1500. What a joke, the main thieve of all thieves is now the General Manager of citywide, that is truly a joke. Guy’s let’s stop focusing on Brian and let’s focus on the liberty crew,the people who were really running the joint who are well off trying to come up with yet another scheme! Who has the 411! Where did all the money go? Who got paid and who did not? Did Phil finally bought that 200k speed boat? Whatever happened with the Montclair crew. Be more specific, who has the money? Where is the Money?

  • Email

    So what’s the new plan? Who is in and who is out? Who is working with whom and who has been left behind? Too many rumors, Alfred back on Guasti, Brian offering the R.E.S.T. program, everyone partnering right back up with Marissa who is working with Chyvonne, Deyanari and the General Manager for that office is Arturo. LOL! You got some info post it! You know who did the most damage, Citywide Audit Services offering fake loan audits for 1500. What a joke, the main thieve of all thieves is now the General Manager of citywide, that is truly a joke. Guy’s let’s stop focusing on Brian and let’s focus on the liberty crew,the people who were really running the joint who are well off trying to come up with yet another scheme! Who has the 411! Where did all the money go? Who got paid and who did not? Did Phil finally bought that 200k speed boat? Whatever happened with the Montclair crew. Be more specific, who has the money? Where is the Money?

  • Theidi

    OMG! MY FATHER SAW AN ADVERTISEMENT ON CNN CHANEL AND TOLD ME TO CALL MICHAEL MOORE (YES!REALLY!) AT A NUMBER HE THEN GAVE ME. I FIRST LAUGHED AT THE NAME AND SO DID HE AND THEN I CALLED MICHAEL AND HE TOLD ME THE FEE WAS $2700. HE DID NOT OFFER THE NAME OF THE COMPANY UP FRONT AND I HAD TO ASK A LOT OF QUESTIONS!! HE WAS WANTING TO REALLY PUSH THE DEAL. THE INFO HE GAVE ME (AND I TOLD HIM AS HE SAID IT) WAS “ALL TOO GOOD TO BE TRUE”!!! THEN HE TOLD ME THE NAME OF THE COMPANY WAS LIBERTY LAW GROUP AND THEY HAD BEEN IN BUSINESS FOR SEVEN YEARS. FIRST I COULD NOT FIND ANYTHING ONLINE FOR THE COMPANY. I NEVER CALLED BACK BECAUSE AS I SAID IT WAS “ALL TOO GOOD TO BE TRUE”!!!

  • Theidi

    OMG! MY FATHER SAW AN ADVERTISEMENT ON CNN CHANEL AND TOLD ME TO CALL MICHAEL MOORE (YES!REALLY!) AT A NUMBER HE THEN GAVE ME. I FIRST LAUGHED AT THE NAME AND SO DID HE AND THEN I CALLED MICHAEL AND HE TOLD ME THE FEE WAS $2700. HE DID NOT OFFER THE NAME OF THE COMPANY UP FRONT AND I HAD TO ASK A LOT OF QUESTIONS!! HE WAS WANTING TO REALLY PUSH THE DEAL. THE INFO HE GAVE ME (AND I TOLD HIM AS HE SAID IT) WAS “ALL TOO GOOD TO BE TRUE”!!! THEN HE TOLD ME THE NAME OF THE COMPANY WAS LIBERTY LAW GROUP AND THEY HAD BEEN IN BUSINESS FOR SEVEN YEARS. FIRST I COULD NOT FIND ANYTHING ONLINE FOR THE COMPANY. I NEVER CALLED BACK BECAUSE AS I SAID IT WAS “ALL TOO GOOD TO BE TRUE”!!!

  • Peteroneok

    liberty Law firm with the attorney of Brian colombana it’s scam and bullshit company I am a one of the victim, this company already charged me $2785 and still using the collection agency to go to my checking account to get another $200 they didn’t do any services as promised and it’s difficult to communicate with this company I was help with Steve Maust and Hector, Cynthia Montano, and Catalina Kim all of them dissapeared no longer with the company and the last thing is the company disapeared as well is there anybody that start filling a civil lawsuit ….?

  • Peteroneok

    liberty Law firm with the attorney of Brian colombana it’s scam and bullshit company I am a one of the victim, this company already charged me $2785 and still using the collection agency to go to my checking account to get another $200 they didn’t do any services as promised and it’s difficult to communicate with this company I was help with Steve Maust and Hector, Cynthia Montano, and Catalina Kim all of them dissapeared no longer with the company and the last thing is the company disapeared as well is there anybody that start filling a civil lawsuit ….?

  • alfred

    what do you plan to do next kati to collect your money

  • alfred

    please let us know

  • Jimb

    http://homeaffordablehelpline…. they are there.

  • Steve Rhode

    Patrick,

    Thank you for your comment. I just published this story because of the information you shared.

    Steve

  • Patrick

    Well, despite the loss of his license to practice, Brian is still at it. NPV Report.com Yet another company. Un-Freakin-believable. We just received this letter via email today. I hope this helps someone out there. Thanks.

    Dear Homeowner,

    We are aware that you contracted with Attorney Brian J. Colombana for loan modification services, and may not have received any actual services from him. Home 4 Rescue agreed to process many of Colombana’s files, but he breached his promise to pay us for doing so, and after working on thousands of files for several months with no compensation, we were forced to stop. In fact, the owner of Home 4 Rescue was forced to file bankruptcy as a result. If you wish to take some action to redress any wrong you feel you were subjected to, we have provided a blank complaint form for the Attorney General of California. You should note that because Colombana is now ineligible to practice law, the Bar Association is probably not interested in complaints, and therefore the Attorney General is the best avenue remaining. Colombana keeps selling fraudulent loan modification products with impunity under various disguises, for example NPV Report.com. He should be stopped. We are in discussions with an attorney about forming a class action against Colombana, but first victims should exhaust avenues of redress through governmental agencies such as the Attorney General.

    If your property is in foreclosure or has a sale date, our help is available to you at no cost. We will review and analyze your financial situation at no charge in order for us to properly recommend the best program for your situation. We may recommend a non-profit (free) organization for a Loan Modification. Or to a real estate agent for Short Sale. Or to Attorneys who specialize in Loan Modifications and who are SB94 Compliant, Bankruptcies, or Civil Litigation who may charge a fee for their services. We are not offering legal advice, but are willing to help in any way we can, including referring you to reliable and experienced professionals.
    If you have any questions, please call.
    Mark Perea
    (949) 544-9998
    Toll Free (800) 609-3940 x25

    Meanwhile, please don’t forget to complete the blank complaint form against Colombana, and transmit to the Attorney General. Good Luck, and we hope you are able to attain some justice.

  • Patrick

    Well, despite the loss of his license to practice, Brian is still at it. NPV Report.com Yet another company. Un-Freakin-believable. We just received this letter via email today. I hope this helps someone out there. Thanks.

    Dear Homeowner,

    We are aware that you contracted with Attorney Brian J. Colombana for loan modification services, and may not have received any actual services from him. Home 4 Rescue agreed to process many of Colombana’s files, but he breached his promise to pay us for doing so, and after working on thousands of files for several months with no compensation, we were forced to stop. In fact, the owner of Home 4 Rescue was forced to file bankruptcy as a result. If you wish to take some action to redress any wrong you feel you were subjected to, we have provided a blank complaint form for the Attorney General of California. You should note that because Colombana is now ineligible to practice law, the Bar Association is probably not interested in complaints, and therefore the Attorney General is the best avenue remaining. Colombana keeps selling fraudulent loan modification products with impunity under various disguises, for example NPV Report.com. He should be stopped. We are in discussions with an attorney about forming a class action against Colombana, but first victims should exhaust avenues of redress through governmental agencies such as the Attorney General.

    If your property is in foreclosure or has a sale date, our help is available to you at no cost. We will review and analyze your financial situation at no charge in order for us to properly recommend the best program for your situation. We may recommend a non-profit (free) organization for a Loan Modification. Or to a real estate agent for Short Sale. Or to Attorneys who specialize in Loan Modifications and who are SB94 Compliant, Bankruptcies, or Civil Litigation who may charge a fee for their services. We are not offering legal advice, but are willing to help in any way we can, including referring you to reliable and experienced professionals.
    If you have any questions, please call.
    Mark Perea
    (949) 544-9998
    Toll Free (800) 609-3940 x25

    Meanwhile, please don’t forget to complete the blank complaint form against Colombana, and transmit to the Attorney General. Good Luck, and we hope you are able to attain some justice.

    • http://GetOutOfDebt.org Steve Rhode

      Patrick,

      Thank you for your comment. I just published this story because of the information you shared.

      Steve

  • John Young

    Ok ,so Liberty Law has indeed folded . We got a call from Vince who said he was a risk mngr with Lib.Law but he wasn’t with Lib.Law.He was trying to drum up business as he told my wife that he could refer us to folks who could help us w/bankruptcy,short sales,etc,etc.
    She told him , no thanx,that she had already contacted Bank of Amer.They told her that we had been ok’d as of June and were refiling bank sale as they hadn’t heard from anyone.They also said that they were getting a lot of phone calls citing the same.
    Anyhow, bank of Amer is sending us a package overnite to re-file w/them on their forms and we’ll be good. Folks , call your mortage holder yourselves and talk to them . You do not need lawyers,whatever to help you .
    In the immortal words of Billy Mays ” You can do it !!!!!!”
    We lost $6,000 to these bastards,may they rot in hell.

  • http://active-debt.com Sean Ryan

    Stooooooooooooop………. Please just stop- If you made the unwise decision to pay upfront for these services, chances are you will lose your money. All over this site are the warnings and the truth- Do NOT pay a company $2400- a year to moniter your case! What case????????? If the company went out of business or was put into receivership, they are now being run by a company that will take ALL the money they can out of what’s left & then be GONE!
    If it’s foreclosure defense, hire a local lawyer or file bankruptcy- If it’s debt settlement, hire a local lawyer or file bankruptcy OR take your loss & go with a company like mine or New Era that ONLY gets paid at settlement!
    DO NOT PAY MORE $$$- Do NOT think you will get your money back- You have been scammed- If you get taken again, DO NOT COMPLAIN! Paying upfront is ALWAYS A MISTAKE- Especially if you do not know who you are dealing with.

  • http://Steve@GetOutOfDeptGuy Vincep

    I paid Liberty Law $3500. I argued about the up front fee but since I lived in Arizona the said it did not apply. They agreed to take payments but the final submission of docs would not occur untill all payments had been received. I finially received a 3 month trial period mod, the payments were $20 a month less then my normal payment. I made the payments and at the end my mod was denied by the bank for whatever reason, but Liberty assured me there were other options they could pursue. This has gone on for over a year when I got the phone call about Liberty going out of business. I was told that the files would be turned over to a monitoring company and they would be contacting me.

    I too received a call from Jaime (Himey) and was informed that my case could be monitered for $199 a month. I told him I needed to think about it and would like more information on what “monitering” would include. He said he would pass my file along and I would be getting a call. I also asked since I paid $3500 was the file mine and could I get a copy. So far no follow up call and no file.
    I have fallen behind in payments and my house is now in forclosure. My loan was sold to a different finiancial institution and they said I have to start over with the mod request. Sure would like to have my $3500 back, isn’t life grand!

  • PAT

    THAT IS WHAT THEY DESERVE. I WANT TO SEE ALL OF THEM UNDER GROUND. HOMEAFFORDABLEHELPLINE.COM IS PART OF LIBERTY LAW FIRM. 23016 Lake Forest 351 Lake Forest, CA ALSO IS PART OF LIBERTY LAW FIRM. THERE IS ANOTHER ONE IN COSTA MESA CALIFORNIA TOO BE CAREFULL.

  • The Killer

    I AM GONNA FIND ALL THOSE LIBERTY PEOPLE AND KILL THEM…PLEASE PUT THE ADDRESS ONLINE SO I CAN MAKE IT THEIR LAST DAY AT WORK…..HAHAHAHAHAHHAHAHAHAHAHAHAHAHA

    Seriously though, please be careful when you put personal info online….something like this could really happen.

  • J. L. B. C.

    On 2/17/2010, MCLN ask me for DOCUMENT AUDIT 1ST AND 2ND $2,770.00

    METHOD OF PAYMENT: Direct Deposit
    AMOUNT PAID: $2,770.00
    Also Known as My Community Legal Network
    Located in
    23016 Lake Forest Drive, Suite 349, Laguna Hills, CA 92653
    (Office) 866-717-1235 (Fax) 949-265-9049
    http://www.legalhomerelief.com
    http://www.housinglawcenter.com

    I Think This are same Companies from Brian J Colonbana. Because his Name shows on The Paper Work.

    Now Right After that I would said on March An appointment was made and they Ask for another $1900 to sue my Broker for Bank fraud.

    As of Today 8/18/2010 Have not hear of any results and hard to get in touch with them.

    How can I get a Refund any help would be appreciated

    LAW OFFICES OF BRIAN J. COLOMBANA
    23016 Lake Forest Drive, Suite 349, Laguna Hills, CA92653(Office) 949‐325‐7000 (Fax) 949‐265‐9049

  • Johny Good Boy

    Updated: 7 seconds ago
    Registrant:
    Alfred Clausen
    1085 loop branch rd
    claremont, California 91711
    United States

    Registered through: GoDaddy.com, Inc. (http://www.godaddy.com)
    Domain Name: HOMEAFFORDABLEHELPLINE.COM
    Created on: 19-Jul-10
    Expires on: 19-Jul-11
    Last Updated on: 23-Jul-10

    Administrative Contact:
    Clausen, Alfred @aol.com
    1085 loop branch rd
    claremont, California 91711
    United States
    (909) 744-2984

    Technical Contact:
    Clausen, Alfred @aol.com
    1085 loop branch rd
    claremont, California 91711
    United States
    (909) 744-2984

    Domain servers in listed order:
    NS2393.HOSTGATOR.COM
    NS2394.HOSTGATOR.COM

    Information Updated: Tue, 17 Aug 2010 20:58:10 UTC

  • http://homeaffordablehelpline.com Gil

    These guys stole my $$$$$$$$$$$$$$!!!!! they are doing it again! stop them… homeaffordablehelpline.com

  • Janene

    I have been contacted by a Himey (spelling?) who said Liberty Law gave him my file. This does not make sense I was scammed for $3500 why would Liberty Law hand my file to someone else….for more money!!! and I was called from this ph: 888-827-7416 he said he a Risk Manager and wanted to help by providing options on my file as Liberty Law has been closed. They want more money… I did not fall for this. Liberty Law Firm taught me a lesson. Anyhow this company is at 23016 Lake Forest 351 Lake Forest, CA – this is address he gave me as I asked. And when you call this 800# they said thanks for calling Liberty Law Firm….. Anyone get the same kind of phone call?

    • janene

      Oh and the company name is Prim Transition Risk Independent Management

  • Karen1212

    Does anyone know of any lawsuits that I can join against Liberty Law Firm. We to have been taken by this company. Please post the names and phone numbers if anyone knows. I want my money back. Thanks

  • whistle blower II

    It get’s interesting: In May, Alfred and Filbert got a order to resist and refrain. Check out the link….

    http://www.dre.ca.gov/pdf_docs/loanmod_drs/H36637LA.pdf

    And they’re STILL at it?

  • Whistle Blower II

    Attention Everyone! Alfred Clausen is also attached to:
    http://www.bienvenidoslegal.com 888-807-0290
    8401 White Oak Ave. Suite 105
    Rancho Cucamonga, CA, 91730

    The owner of the website is:
    Technical Contact:
    club deception
    George Sanchez ([email protected])
    855 S Milliken Ave
    Ontario
    CA,91761
    US
    Tel. +0.9093902364

    Where they also list the following affiliates on their website:
    ATTORNEYS

    James M. Powell Hope Now Law Center
    Bar number: 165639 Administrator: Elliott Bradley
    Law Offices of James M. Powell Esperanza Escudo Legal
    Administrator: Sam Ansari 10840 Paramount Blvd
    1894 Commercenter West, Suite 108 Downey, CA 90241
    San Bernardino, CA 92408 (562) 334-1500 Main
    (909) 890-0105 Office (562) 927-9990 Fax
    (909) 890-0106 Fax

    Ziad Rawa
    Law Offices of Ziad Rawa
    5843 Pine Ave.
    Chino Hills Ca. 91709
    (909) 393-0660 office
    (909) 999-8888 fax

    Barak Berlin
    Bar number #216115
    Law Offices of Barak Berlin
    563 N. Central Ave.
    Upland, Ca. 91786
    (909) 233-6657 office
    (909) 949-3086 fax

    LEGAL DOC. PREPERATION / INTERPRETATION
    Paul Black
    Elite Loan & Document Services
    2949 S. Vineyard Ave.
    Ontario, CA 91761
    (909) 947-9323 Office
    (866) 459-0118 Fax

    Louie J. Garcia
    Interpretation Services
    8401 White Oak Ave., Suite 105
    Rancho Cucamonga, CA 91730
    (909) 945-2100 Office
    (909) 945-2211 Fax

    FINANCIAL & REAL ESTATE

    Premier Loan Services
    561 N. Central Ave.
    Upland, CA. 91786
    (909) 949-2266 Office
    (909) 920-5213 Fax

    J & B Financial Group
    200 S. Main St. Suite 305
    Corona, Ca. 92882
    (951) 737-6400 Office
    (951) 737-6444 Fax

    Kris Do & Susy Carranza
    Tarbell Realtors
    39028 Winchester Rd., Suite 101
    Murrieta, Ca. 92563
    (951) 317-8694 Office
    (951) 677-1010 Fax

    The Marquez Team
    Sergio Quintero
    537 N. Euclid Ave.
    Ontario, CA 91762
    (909) 562-9488 Office
    (909) 436-4336 Fax

    • alfred rodriguez

      I think you are rigth whistle blower. ihave seen their stupids comercials on the spanish channel (james m powel group of bandidos) DON’T CALL THIS PEOPLE.

  • rescuer

    OK EVERYONE,ON AUGUST 12TH, I WILL BE POSTING THE NEW ADDRESS WERE THE OWNERS OF LIBERTY LAW FIRM ARE NOW, IS A NEW COMPANY IN ONTARIO BY THE 15 FREEWAY…
    THEY HAVE A NEW COMPANY NAME NOW, AND YES BOTH PHIL APODACA AND ALFRED CLAUSEN ARE THE OWNERS, IT IS AMAZING HOW THEY CAN GET AWAY WITH SO MUCH STUFF, I HAVE BEEN DOING A LOT OF SEARCHING, PLEASE BE PATIENCE AND BY THE 12TH IF NOT SOONER, I WILL BE POSTING THEIR ADDRESS, WE HAVE TO DO SOMETHING ABOUT IT, THEY DON’T WANT TO GIVE US A REFUND, BUT YET, THEY ARE TAKING OTHER PEOPLES MONEY.
    PLEASE IF I PUT THE ADDRESS, I WILL EXPECT EVERYONE TO GO AND BOYCOTT THEIR NEW OFFICE, IT WILL NOT BE RIGHT IF YOU ONLY COMPLAIN AND DON’T DO NOTHING ABOUT IT, WE HAVE TO DEMAND OUR MONEY.
    IF YOU DON’T GO TO THEIR OFFICE AND BOYCOTT THEN YOU DON’T DESERVE TO GET A REFUND.

    • NoMoreRipOffs

      Do they have a web site that you are aware of?

    • Dwight

      Word has it that new location is supposedly somewhere down by Jurupa and the 15 fwy close to Ontario Auto Center. Can anyone confirm this?

      • Dwight

        Got some additional info that the new office is on Wanamaker Avenue right beside the Honda dealership. If anyone gets the exact address and suite number please post.

    • alfred

      please let us know

  • Jonny Good Boy

    The question of the day is, where is the libery boys at now? Alfred C and Philiberto are still at the same office in ontario they have not left, as a matter of fact there still open for business doing some other scam, but who knows what. All they did was give the front a new look and changed the name on the door. Brian Calombana is probably still hidding under his bed..

  • John Young

    Hello Steve ,
    My wife and I live in Va. I went on-line to find someone to help ,as bank o Amer
    decided they wanted $5,000 extra for us to keep making our mort. note, we never missed just paid late and paid extra fees.Albi from Lib.Law contacted us and we started the process. Long story short ,they took 2 extra payments from our acct. $2,332 . We can’t get a reply , my wife has contacted a lawyer in Frfx,Va. she’s gone to our bank who is now chasing Lib.Law for a refund and we have agreed to prosecute when the bank catches up.They still have $3500 up front fees to do their job which I guess is now all in vain.We just wanted a modification so we could keep our home.We are willing to fight for this and will keep going ,but we’d like to see these folks in prison and will do whatever it takes .

  • Derrick

    Hello Steve,
    Below is a copy of an Email message I just received from Xxxxxx. She was the staff member I worked with at Liberty Law. Told me my modification was approved. However, I never heard from her again until now. Very interesting reading. Please give me some feedback.
    Thanks!
    ==============================================================================

    URGENT Liberty Law Firm Closed there business

    Hi there,

    I wanted to inform you that Liberty Law Firm closed there doors down about a month ago. I was as shocked as you all probably are right now. I am taking this time to let you know that Im on your side and they also didnt pay any of there sales people and we are all left without a job. I have been talking to attorneys to see what we can do and the only thing so far is to take them to small claims court. I feel that if we all stick together we can get this guys out of business completely. So from some research that i have been doing, I was able to get all 3 owners names and home addresses and cell numbers. I wanted to pass on that information to all of you so you can take them to court and you can file a civil law suit to get your money back. I also know from only 2 sales people that still work for this owners that there still in business. What I have heard is that they are still at the same location which the address is: 3105 Guasti Rd Ontario Ca. They changed some furniture around and they are telling people that they are new co, but its not true its the same owners and they were able to change the name of the business to Apex Financial.. Also one more thing please change any account information that they have from you so they cant debit your account….

    The info to the 3 owners are as follows:

    1st owner is Alfred Clausen
    home address is: 9042 Laramie Dr AltaLoma CA 91737
    cell # 909-744-2984

    2nd owner is Filbert Apodaca goes by Phil
    home address is: 15931 Fen Pelnst Fontana CA 92336
    cell # 909-578-6644

    3rd owner is Andrew Palosi
    4157 BrookCrest Court
    MoorPark CA 93021
    cell#805-558-1300

    The 4th person is there partner in crime she is a salary employee for them gets $6,000.00 a month and is in charge of complaints and refunds.. Please dont go away with out a fight you need to do something to get your money back… Here name is Blanca Vallobos cell # 951-323-9068.

    • whistle blower

      You guys have just scratched the surface of the scam with these guys. Brian started this whole fiasco over two years ago with Mortgage Relief Law Center/Housing Law Center. He had two offices, one in Irvine, where he worked out of and one in Montclair, where processing was done. He had third party agents send him modifications from all over the United States. Things went really good during the first 8 months. During that time they started up a call center in which they were calling leads for people that needed help all throughout the United States. They didn’t even approach the California modifications because one of their biggest agents was a man by the name of Jimmy Pham in Sacramento. This agent and his staff were sending approximately 80-100 modifications to the Montclair office MONTHLY! Jimmy and his people were charging anywhere from 2495 to 4000 per house. Some people were sending checks for 12k because they owned 3 homes and were paying the $4,000 fee for each property. Needless to say that could only last for a limited amount of time until greed took over. Jimmy Pham wanted to reap all the benefits of the mods he was starting so he stopped sending them to MRLC/HLC but Brian was left with all the responsibility for the modifications that were already in process. When that happened the retail side of things started taking off. There was a staff of 8 sales reps in Montclair and 8-10 at any given time in Irvine. People were calling all day long to have people send their info in to them via fax and once paperwork was “reviewed” by the attorney staff they would call the client back and authorize payment. Obviously, there was no attorney looking at this paperwork. It was up to the discretion of the sales rep to close the sale. So people that could never be helped were getting their money taken and nothing was getting accomplished. I call this the rocking chair syndrome. A whole lot of energy was being wasted and no one was getting anywhere. Don’t get me wrong, there was work being completed and the majority of the customers were getting at least a trial modification offered by their lender. Now when SB 94 came into effect in California and it seemed that some other states were going to follow suit, Brian decided that it was best that he close up shop and move onto something else. At this point, he decided to go with another company called MCLN My Community Legal Network, which offered “do-it-yourself” modifications for a “donation” of $995. MCLN lasted but a month or two before it blew up in everyone’s face and they moved on to the next thing, which was Liberty Law Firm.

      Alfred and Phil came to Brian distressed because their former partner at Southern California Lawyers Group came into the office at Guasti with a gun and made them not only give him all the files but also made them empty their bank account into his. So the duo of Alfred and Phil, came to Brian for help in starting this new venture. They presented this great plan of being able to call a lender and get a modification approved on the spot and for only $995! They had a friend that was in the radio business, Andrew Palosi, that was going to front all the money to start the marketing and Liberty Law Firm was going to pay him back each month from the proceeds of the modifications. The worst/best (depends on how you look at it) part of this deal was that Brian had to do absolutely nothing for this, he didn’t have to be in the office or oversee any of the work that was being done at Liberty. Once the commercials hit the airwaves, people started calling. Can you blame them? $995 and your mod is approved on the spot? I’d call too if I needed to get a modification! What the customer didn’t know was that the $995 was just a way to get you in the door. Once they arrived for their appointment and were talking to the agent they were going to be offered a forensic loan audit for $995 and credit repair for another $299 plus $99 a month! People were walking out the door with $2289 dollars less in their accounts and happy as pigs in mud to have paid it. This is where the real downfall of Liberty happened and why so many people are upset. Greed, took over again and the agents started doing all the modifications as “on the spot”. They had too because if they didn’t they would only get paid $50 for a modification that went into processing instead of $200 for an “on the spot”. Files started piling up and customers were complaining, employees stared quitting and files started getting lost. Money was being stolen and no one knew what was happening. A big old cluster f**k! Part of the reason that agents were also doing the modifications as “on the spot” was because processing was inept and clueless. Customers that were being sold the actual processing modification were not being called back and people that had paid for the forensic loan audit were not getting anything done. When first sold to the customer, they were told that they would get their result within 7-10 business days. These audits were actually taking 2-3 months to complete and as most people in this business know audits are only used when a customer is looking at a law suit against their lender to find violations in their original loan documents. So for the majority of the customer being sold these audits they came back with little, if any, violations being found. When the management team decided to do something about the processing they decided to move the entire department to Montclair again and let Paul Hauger run the operation. So, at first he went over there as just a manager but with a couple of weeks he was told that he was going to open up a company under the name of Superior Processing, so that Liberty would be giving up part of the liability. So Alfred, Phil, Andrew, Paul and Brian were all co-owners of the operation in one form or another.

      When KTLA approached Brian about doing a story about loan modifications, Liberty Law Firm and all the complaints that were being made against him, he thought that it would be a good idea to show that he was actually involved in the process. The office that he did the interview was not even his, it was Alfred’s! Brian didn’t even have an office in Ontario since he was never there. The masterminds behind this whole ordeal were Alfred, Phil and Andrew. During the time that I worked there I never heard them once ask, What’s going on with this case? or Have you followed up with the lender on any of your cases? Whenever they had a meeting, it was all about numbers and how much money was being spent on advertising. Which according to them it was between 100 to 150K a month! Do the math!! How many $995 modifications do you have to do in order to pay that monthly?

      I’ve also read on this blog about Tom Duong. Well Tom had also partnered up with Brian to handle all of the processing for the Monrclair office when the MRLC/HLC offices went belly up. Well, when the dream team (Alfred and Phil) came to Brian, they were also going to send their mods to be processed at Tom’s office in Irvine. That’s why you see the different websites, i.e., libertyfirm.org and llfirm.net. Something happened along the way, and Tom was not being payed for the services that his offices were doing so he packed up the files and sent them back to Phil and Alfred in Ontario. At that point is when “management” decided to create a new processing and send them back to the Montclair office. I’ve also read about a new office opening up in Alhambra or La Habra, well that is Phil, Alfred and Andrew with a new attorney and new partners. Same tactics and same advertisements.

      Below is a link to the facebook pages of some of the main people that ran this “operation”. They are all tied in together and will continue to take advantage not only from home owners but from employees as well.

      Brian J. Colombana:
      http://www.facebook.com/profile.php?id=1275997130&v=info&ref=sgm

      His wife, Danissa Colombana:
      http://www.facebook.com/profile.php?id=528292546

      Alfred Clausen:
      http://www.facebook.com/profile.php?id=1297833718&ref=sgm

      Paul Hauger
      http://www.facebook.com/profile.php?id=100000969703563&ref=sgm

      Blanca Villalobos:
      http://www.facebook.com/blanca.villalobos

      The new “partners” in La Habra or Alhambra:
      http://www.facebook.com/rex.pitts?ref=sgm
      http://www.facebook.com/profile.php?id=100000932541481&ref=sgm

      I didn’t work there long, only about 2 months but I’ve gathered all this info from the people that worked there from the beginning and that have first hand knowledge of all this info but they just don’t want to make any waves with any of these “managers”.

      • NoMoreRipOffs
      • http://GetOutOfDebt.org Steve Rhode

        NoMoreRipOffs,

        You’ll need to list your email address as something[at]somethingelse.com if you want it to appear publicly.

        Steve

      • Marissa

        First whistle blower I am not working with Liberty Law firm nor is my father. All of my clients are happy and I still continue to help them out even though Liberty has closed down. Please do more research on people who are actually involved with Brian and Liberty. I was just an employee there just like you the difference is I actually helped my clients.

      • NoMoreRippOffs

        Marissa, all you have to do is to Google Brian Colombana and you will find DAYS worth of reading material by people that Colombana and his cohorts have ripped off and NOT helped at all. The fact that the state bar recently DISBARRED him speaks volumes. And, as I have been discovering, Colombana’s criminal ways have been “leaking” into other areas as well. There is an entire network of crooks and thieves that are siphoning off money from a wide variety of individuals.

        If YOU choose to side with him and his henchmen, that is YOUR problem. You may feel like you have “helped” some people, but the reality is that you have only helped Colombana reach into the pockets of hundreds, perhaps thousands of people….and helped THEM lose their homes in the process.

        And to whistleBlower (and anyone else that wishes to discuss experiences with the Colombana Mafia) please feel free to email me at:

        nomoreripoffs AT hotmail.com

        Thanks, Steve, for pointing out the email issue to me!

      • whistle blower

        Marissa,

        If you look at my comment it didn’t state that you were working for Brian or Liberty any longer. It stated that there is a NEW “firm” with a new attorney that was created by Alfred, Phil and Andrew! Brian can’t be involved in this new office since he has been disbarred. But who knows, he might some young attorney full of dreams inside his head, sold on a new and better way to do things? Or maybe, the “dream team” convinced one of the BK attorneys that were in the Ontario office into slapping their licenses on the wall for a new dog and pony show?

        I got most of this info from good sources that used to attend those nice manager meetings at Mimi’s Cafe. This people spoke to “management” about the office in Alhambra that they were looking at, specifically for you! I may be wrong but they had no reason to lie or even embellish about what was going on. Oh, and just to make it clear, I was told of all this weeks before Liberty closed down, not after.

        Funny thing is that your facebook page shows that your current city is Alhambra, CA! Coincidence? I think not!

      • Dwight

        Does anyone know the name of the new racket these guys are starting? If so, need to get the info online to help other unsuspecting consumers who might fall prey. Don’t know how much money may be left over from the Liberty venture for some of them as it appears that Filbert (Phil) Apodaca who just got married not too long ago may have stiffed his jeweler as he just got sued by Sterling Jewelers on July 30, 2010 (case no. CIVRS1008326) in San Bernardino court. Thank you NoMore and Whistle for the information you’ve added to this board recently.

      • Whistle Blower II

        Everything Whistle Blower said is true, with the exception of Paul Hauger; Paul Hauger, Phil, Alfred and Brian all planned to open another entity to handle the processing 2 months prior to moving processing out of the Ontario office. Paul Hauger was well aware and very excited about being a partner in this part of the operation. Cash payments were not only stolen (aka ‘missing’) from files, money was also deducted and used directly from all of the bank accounts just like they were personal accounts for the whims of Phil, Alfred and Brian. Alfred and Phil are known to have large gambling problems and problems with multiple affairs of women. All three were warned not only by Paul Hauger but also numerous employees about how they handled corporate finances but they refused to listen. Whistle Blower is also very right about sales people being frustrated by the mishandling of the processing of the loan mods, Brian, Phil and Alfred were also tired of bouncing post-dated checks, thus the on-the-spot began to be the requirement for for all services (so they could get paid on the spot). You’ll truly know who’s the dirtiest of this scam because those people will still be involved and trying to create more businesses and more scams. I know they were very excited about the hopes of opening a debt consolidation service. Anyone know where they’re at now?

  • kati

    Hi Steve,

    We had left a comment up months ago that we filed a small claims case in Riverside County against Liberty Law Firm. Well, not surprisingly they did not show up for court. The judge read the contract and immediately advised us it was broken in two major places. 1. An attorney DID NOT sign the contract as none work there and the contract states only an attorney can enter into the contract or make changes and 2. the modification was never completed. Now the challenge will be collecting, but we didn’t come this far to give up!

    • http://GetOutOfDebt.org Steve Rhode

      That was great information.

      Please keep us all posted.

    • Christine

      Kati, so eventhough your contract was not signed by the attorney, will you be able to get your money back? We’re in the same boat and I’m just wondering how yours progress. Thanks!

      • kati

        Hi Christine,
        I am waiting for the paperwork from the court and then we will figure out how we’re going to collect. I am in touch with an friend who is also an attorney who will help us collect. It can’t be as easy as we close and open under a different name so we don’t have to pay judgements. I will let you know.

    • alfred

      what do you plan to do next kati to collect your money

  • Michael Carlson

    Clients wanting a refund should also file for a refund from Brian J. Colombana, the attorney of record at Liberty Law Firm in Ontario, on the California State Bar website.

  • Enlightened

    Warning…I just got $98.00 fee taken out from my checking account for the so called credit repair service for Allstate Credit Solutions which Liberty Law said I needed. I did try to prevent this but my bank said I couldn’t do anything until the amount was taken out of the bank. I will now be dealing with the bank’s fraud dept on Monday to hopefully get this straightened out.

    These people are out of business and still trying to take money. I haven’t even received the credit reports that they said I would get.

    • Whistle Blower II

      Allstate Credit Solutions http://www.allstatecreditsolutions.com/contact.html
      this is the sister-company to Liberty (although hardly a separate company in any regard). Interesting fact: All these businesses these guys start, the corporate paperwork with the state isn’t complete for it to be considered a ‘finalization’ of setting up the Corporation. The credit cleaning service they offered was actually outsourced to a guy that does it on the side (or at least they did months ago); hopefully they’re not trying to do it (or NOT do it) themselves!

  • Enlightened

    Hello Steve, I got a couple of weird texted messages from 88202 – stating “We will call your lender & get you pre-qaulified for a modification the same day for $995 or pay nothing. Reputable, Honest, Attorney. Call today 877-995-4404.” Of course when I googled the number the number didn’t reflect anything. I called # before 6:00 AM and the company identifies themselves as South Coast Justice Center. This sounds like another scam…couldn’t find anything on the net for this Company. Do you know anything or can you find out anthing on this so called company? It sounds like the same company that has shed a new name and skin.

    Not sure how they got my cell# to text but I keep thinking it has to do with Liberty Law Firm. I don’t give my # to just anyone.

    Whatever you find out Steve is greatly appreciated. Thanks

    • http://GetOutOfDebt.org Steve Rhode

      Good tip, I’ve got my hands full right now on another investigation. Maybe you and some of the other folks commenting here can chase it down and find out if they charge an upfront fee, what the fees are, and who the attorney behind it is. If anyone is interested in helping on that, post a comment and I’l start a new post for that investigation.

      Steve

      • lesly

        hi Steve
        do we have any hope on this case.

    • lesly

      well,I call them and I think is the same company, they tell me the same thing that liberty law firm said to me, they are locate in Costa mesa.

    • Derrick

      Yes Steve, I recently received the same text message on my cell:
      “We will call your lender & get you pre-qaulified for a modification the same day for $995 or pay nothing. Reputable, Honest, Attorney. Call today 877-995-4404.”

      I was shocked. Thought it was very odd. I do believe Liberty Law is behind it. Didn’t really bother to call.

    • Jimb
  • lesly

    sorry that I called you, my apologies,

  • lesly

    Please anybody can find this Liberty Law firm anywhere let me know, they have to pay for what they did to all of us.

  • Malai Magruder

    I just learned the bad news yesterday about Liberty Law closing down. I also fell for the scam and paid them over $2,700 “up-front”. They assured me they were going to pursue my Mortgage Lender for “Predatory Lending Practices”, get me a loan modification, and possibly a reduction of the balance (property values have plummeted in Orange County, CA).

    Steve,
    Do you have information on how I can find a bonafide Mortgage Modification Consultant in my area? One that is registered with the Office of the Attorney General…

    • http://GetOutOfDebt.org Steve Rhode

      If you go to the attorney general of California site and search for loan modifications you will find the place to confirm if a consultant is licensed.

      Steve

  • Derrick

    Hello Steve!
    Any chance of a class action lawsuit against Mr. Brian Colombana and the management team at Liberty Law Firm? Please keep us posted.
    Thanks.

    • http://GetOutOfDebt.org Steve Rhode

      Derrick,

      I have not heard of one but the best place to start would be to find a consumer lawyer in your area that might be willing to take on the case. A good place to start would be NACA.

  • Libby

    I too am a scam client with Liberty Law Firm. My biggest concern is my documentss that I had to give them (bank statements/income tax/loan docs/pay stubs) what becomes of my life of fraud once the wrong people get hold of these. We need help to put all these people down. If anyone can help with finding these people, please let me know.

    • mroab

      I to fell for the scam. I will probably never see the money. Over the past few months I have been collecting names of individuals who I talked to with the company. I kept every email also. Being far away from california it is taking me longer to validate the true people’s identity. I have talked with other individuals and we are going to create a website with all of the identities of the people who are involved. From the lawyer, to the sales reps, to the secretaries. These people impersonated lawyers, they actually could see more fines and jail time than Brian Colombana, which lost his license. If you know of your contacts from your modification these individuals need to be outed to the public. Let everyone know who they are. They do not want the roughly 5,000 individuals they screwed knowing where they are and what they look like. Payback is a …, um…will see.

      Oab

      • lesly

        the person who help me is MARIANELLA HONORIO.
        I hope she’s not fake too. keep me inform.

        thank you

      • phillip

        SAME HERE SHE DUPED US TOO, we need our money back!!!!!!!

      • Henry

        My contacts were Steve Sawyer/Paralegal and Jorge (JR) Cruz from the Loss Mitigation Department.
        Steve was in the Irvine address and Jorge in the Aliso Viejo address.

        Thanks!

      • Enlightened

        The people who helped me was Carlos Salazar & Curtis Downing.

  • Enlightened

    I just went to the Montclair Location today and no surprise, the office is closed and empty. I found out that they packed up shop this week, I think it was Wednesday. Who knows what will be the outcome but need to do something. Does anyone know how to start a class action lawsuit?

    I did call my bank and it appears the only thing they did was send an authorization request but nothing official to do with a modification. I will probably have to start from scratch to do this on my own. This has been a hard lesson learned and certainly will avoid being scammed in the future. My new motto which I’ve heard it said recently, if it sounds to good to be true, be aware!

    I’m still gonna pursue doing reports with the government agencies. I already filed a complaint with the California Atty General’s Office and have a list of many more to do..such as Federal Trade Commision, CA Dept of Real Estate, CA Dept of Corporations and possbly filing something with Small Claims Court. I don’t think I will file a report with the State Bar of California because they already took Brian Colombana’s license away. Hopefully these guys will reap what they sowed!

    • lesly

      Did you try the Ontario location. Is 3105 Gausti road, ontario ca 92761
      is the suit on the left side.

      • Enlightened

        Yes that’s how I found out about the Montclair Location…see my earlier post and also there’s a post from someone who linked a picture of Ontario office with sign on door stating they move to Montclair location.

        They are closed and gone.

  • Derrick Nylander

    Michael, I contacted both of the gentlemen below regarding my refund request. I called several times but had to leave voice messages for both. However, I did get a return voice mail from Mr Clausen. He insisted he is a former employee and no longer works for the company. He denied being one of the owners of Liberty Law.

    My question is how do I verify Mr. Clausen’s along with Mr. Apodaca’s involvement in the ownership of the company? Can you help in this matter?
    Thanks!

    • Dwight

      Derrick, both Phil and Alfred were indeed the owners of Liberty Law who basically dipped Colombana’s license right into the toilet. Mr. Clausen is the individual who appears on those cheesy youtube videos extolling the virtues of the on-the-spot modifications Liberty supposedly performed. In light of the tarnished image of loan modification companies, if Liberty were actually getting its clients mods in one day, their methods would have revolutionized the industry and they would not have closed up shop and be in hiding (as Phil Apodaca has supposedly hired a security company to guard his home in Fontana). Keep trying their voicemails for a refund or you can try contacting Paul Hauger (sp?) identified in an earlier post who had been Phil’s bookkeeper at an earlier business and did the books at Liberty at (909)553-5550. Keep us posted on your progress.

      • Paul

        I was an employee who worked in the sales dept until March this year and then in processing dept in Montclair until the law firm closed down and I was laid off. I am NOT the bookkeeper for Liberty Law Firm and never worked in the accounting dept for Liberty. The sole owner of Liberty Law Firm is the attorney. The best advise I can give to clients is to try contacting the state bar. Calling me won’t help you get a refund, I have absolutly no ability to help anyone get a refund, I no longer work at Liberty Law Firm and have no access to the attorney. There are way more rumors and unfactual statments on this site than there are truths. It’s a crime how anyone can post anything regardless of if it’s true or not. Most of the information on this site is misinformation and guesses and has nothing to do with reality. Good luck to all the clients who got left hanging by hiring Liberty Law Firm. I suggest you call your lender yourself and supply them whatever information they request and see if you can complete your modification. Whoever Dwight is, why don’t you give the clients your cell phone number so they can call you to get a refund, you have the same ability to help clients get a refund as I do, in fact I believe YOU are the real owner of Liberty Law Firm!!!

      • Dwight

        Even if you only worked in the sales dept (I assume not), why shy away now from refund requests if you were such an integral part of bringing clients into the firm? You would be just as accountable as the other players I think.

      • Kati

        So Paul is this you? This is a copy of email you sent me regarding a modification…stop with your lies you were neck deep in the scam.

        I was forwarded your email. Please let me know who your mother-in-law is so I can follow-up on the status of her modification. I’m sorry in you feel you have not gotten the service that you deserve. I will be happy is assist you in any way. We have successful gotten thousands of homeowners modifications that have saved their homes and changed their lives. We are not the lender and cannot control the final outcome and many people hold us responsible. All we can do the fight for each homeowner. Please supply a contact number and I will get to you immediately.

        Sincerely, Paul Hauger

      • Paul

        To Kati,

        Yes, this is the same Paul that sent you an email trying to make sure that your mother-in-law got the service that she hired Liberty to perform. Like I said, I worked in the processing dept and tried to make sure that all the clients got served. I haven’t lied about anything!! If Liberty was a pure scam and I was part of the scam, why would I contact you at all. The only thing I was neck deep in was trying to service way too many clients with the size our dept was. We were all way over worked and under paid. If you look at the state bar’s hearing decision were the attorney got disbarred, the decising didn’t list Liberty as one of the companies in the complaint, it listed three other firms that the attorney operated. I didn’t even know about the other firms until this all happened in June. My department worked very hard and helped hundereds and hundereds of homeowners get modifications. I don’t really care what you think, my job was to help people and I helped alot of people. The consultants could do the work themselves or send it the the processing dept and get paid less. Many of the consultants were greedy and didn’t do the work that they were paid to do, but that had nothing to do with me. As the email I sent you proves, I was trying to make sure that the clients got the service that they hired Liberty to do. If the attorney hadn’t lost his license to practice law, I’m sure we would still be there helping people and I bet your mother-in-law would have gotten a modification by now, if she truely indeed quailified. Check your facts, I haven’t lied about anything!!

      • lesly

        I called Paul , no answer from him yet. did you know what can we do , regarding my money.

      • Paul

        In reply to Dwight, two comments up, I only worked in sales for a very brief time before I started working in the processing department. I’m not trying to shy away from refund requests, I just have no ability to help anyone get a refund. I was an employee who worked at Liberty Law Firm until they closed down. I only worked for Liberty for a few months total. I truely wish that every client who didn’t get the service that they paid for is able to get a refund, I just don’t have anyway to assist with that. If you were an employee at a company that suddenly closed and moved out, would you be able to get the clients refunds? I don’t know how or why my name and phone number has ended up on this site at all in the first place. Like I said in my last comment, that are soo many rumors and false comments on this forum it is ridiclous.

        To Lesly,
        I have returned every call that I have gotten, so I think that we have already spoken and wish you the best of luck getting your momey back and your modification completed.

      • alfred rodriguez

        paul is a big lier and thats all

  • http://howtogetoutofdebt alfred rodriguez

    liberty law firm was closed by agoverment agency i think it was the (dea) im not sure why but it was not for something good. i know because i was a client there. they charged me up front, for a modification and a loan audit. om july 14 i went there and their offices looked like a ghost town. i still don have a modification. and also i think the go by another name., a knew name. i think they called themself now( providence law group) in the city of irvine so be aware. i hope i can get my money back

    • lesly

      please let me know if you can find them, I need my money back too.

      ( help )

      • Hail

        Please let me know how to get my money back too.

  • wakeup

    is amazing all these people complaining about getting a refund, at least 80% percent of you did refinance 3 or 4 years ago, and got cash out,and were thinking of refinancing again cause were thinking your property would go up in value, but now that economy went bad, are now complaining because you did not get a modification. when you refinanced, you signed an agreement about repaying your loan, nowhere in the loan documents says that if economy goes bad, you should not pay your loan, get off the couch and go to work, get a second job, there is always work outhere, it might not be on the field that you want, but at least you will be able to pay your mortgage. i won’t be hipocrit and say that i feel bad for you, i also have a mortgage that adjusted, but i work from 8a.m till 9p.m. yes it is hard, but i also agreed to pay my loan…
    i know that a lot of you can make the payment, but you just want to take advantge of our american system, a lot of you don’t qualify, because if you call the bank and tell them exactly what your income is, then they will turn you down, but when you go see a loan modification company, you know that the agents are moving the numbers around on their financial sheet so they can send it to the bank, (well my friends, that’s fraud) and you are being part of it.
    also a lot of you, are complaining that can not afford the payments right now, well, call the bank, and if you can not send the full payment, send something, but be honest, just because you heard on a radio advertisement that you can lower your payment thru a modification, it doesn’t mean that everyone will qualify, most of you are in this position because it is your fault, how many of you complain that the payment is too high, and don’t do anything to try cut expenses or GET A SECOND JOB…

    • July

      LAME. YOU ARE LECTURING PEOPLE WHO ARE NOT YOUR CHILDREN. WHY WORK A SHITLOAD OF HOURS AND SUFFER FOR A DECADE, WHEN YOU CAN GET A MOD AND HAVE A SMALL PAYMENT OR FORECLOSE AND GO RENT THE SAME HOUSE FOR HALF OF THE MORTGAGE PAYMENT? YOU ARE RETARDED!

      • wakeup

        wow, you are calling me retarded, well guess what, i did not pay for a loan mod like you did, and you are not getting a refund, so who is the retard???? why should you get a mod, if you don’t qualify?? jajajaja… no refund for you

      • July

        I AM A FORMER EMPLOYEE FOOL! SEE, THE RETARDATION CONTINUES, LMFAO!!!!!!!!!!!

  • Nicole

    Michael I appreciate your help you are offering. I am forwarding the info off to my atty now. If you have any other info that will help us all in getting our money back that would be great!
    Thanks again.

    • GIL

      Can you please help me out on how to get my money back….?

  • Michael Carlson

    For the purpose of refunds and small claims suits against Liberty Law firm in Ontario, CA. These two guys were the owners, they contracted with Brian Colombana to do loan mods under the umbrella of his law practice.

    Alfred Clausen – 9042 Laramie Dr., Alta Loma CA 91737 cell#(909)744-2984
    Filbert Apodaca – 15931 Fan Palm St., Fontana CA 92336 cell#(909)578-6644

    • July

      You are so funny Michael!!!!!!! How are you going to collect your unpaid earnings?

      If anyone goes to their house, please write about it on here, lmao!!!!!!

      • Michael Carlson

        Just providing public information to people who might need it. Don’t plan on getting unpaid earnings. Hopefully, I won’t have to write about it on here, because everyone will see it on KTLA news!

  • Michael Carlson

    They were at both locations. If you were at the Irvine office then that is why I don’t recognize those names. I donn’t know anything about the other Liberty location. Sorry

  • Michael Carlson

    Don’t know those names. Did you deal with 4 different people on your mod.? None of those names are managers or owners at the Ontario location.

    • Nicole

      All the paperwork I have says Irvine, CA…but is that really where they were? I recently got a letter that says they’re now in Alise Viejo, CA. I don’t know. Yes, Gema was Matt’s “right hand man” then I am guessing when Matt left or whatever I was transferred to Will, then I was transferred to Whittney…..pass the buck and kept on lying. Now I have requested a refund through Whitney who says it’s under review. However when I ask for a number to “accounting” she says they don’t have a direct #….more lies.

      • Rafael

        Hello Nicole,

        Well, my story is the same as yourself. My paperwork also says Irvine, CA. Did you ever talk to a LLF
        Financial Services Rep. named Steve Sawyer?
        Anyway, in my contract it is stated that an Escrow Service called Integrity Escrow holds client’s retainer fee and will only disperse these funds to LLF upon the completion of the phases described in the contract. LLF was required to send us (the client) a notice of the completion of each phase and we (the client) had 5 days to object in writing or otherwise escrow would release the funds to Attorneys. I’ve never received a notice from any LLF attorney. How about you? So, if you and other people in our situation have this in their contract, I think is proof that they are in breach of contract and we should be able to get our money back.
        Do you know if there is a group of people interested in filing a law suit against LLF?

  • Michael Carlson

    Working for LLF in Ontario for 4 months, I can honestly say the two biggest crooks that deserve the most blame are Alfred Clausen and Filbert(Phil) Apodaca. They are the two owners that operated the Ontario location. Anyone who needs their home addresses feel free to email me at: [email protected]. These two guys are as slimy as it gets. Brian Colombana whored out his law practice to these cars sales/ mortgage crooks.

    • Nicole

      What about Matt Ward, Gema Bucio, Will Jackson or Whitney Rowell….these are 4 of the names who scammed us. I have hired an attorney….a REAL one. I hope and pray that we get our money back, but know what the real harsh reality is.

  • Arthur Rahe

    Hello everyone,

    My name is Thomas Rahe, I am another dissatisfied, lied to, screwed over costumer from “Liberty Law Firm.” On April 22, 2010 I went into the Ontario office hoping that I would be able to use liberty law firm services to complete my home loan modification through Wachovia. Well after paying $ 995 for their so called services Wachovia is stilling calling me to submit paper work. Wasn’t that liberty law firms job, aren’t they suppose to submit my paper work? What did I pay $995 for? Did I really pay someone $995 for them to make a phone call, when I was told that they would also submit my file? Wachovia called me today saying that I have until July 11, 2010, which is Monday to submit paper work that liberty law firm was suppose to take care of. If there is anyone out there that knows how I can get a full refund or if they have any advice that they can give me please help me. Thanks

    ps. Are any lenders aware of companies like this?

    • July

      Didn’t Liberty give you a copy of your financials? Give Wachovia what they want using those financials. Im sure Liberty told you this already.

      • Arthur Rahe

        Ok…but wasnt that liberty laws job to do. I mean i did hire them and paid them $995. They guaranteed this would work or i would get a full refund. They promised they would submit my file and if we weren’t able to get a loan mod, they would keep trying until if was accepted. Liberty law firm did nothing for me, all they did was take my money and make guarantees they couldn’t keep…ALL I ASK IS THAT I GET MY MONEY BACK, because they did say money back guarantee if it doesnt work.

  • Ivy

    Amazingly, I received a phone call from an employee at Liberty Law Firm yesterday. I thought many of you could benefit from having the new phone number (or at least one that will put you in contact with an employee.) 949-415-7364. You have to really push to get them to admit that it is LLF. Oh, you can reach Brian Colombana at that number as well.

    • http://yahoo Barbara

      Hi Ivy !!!!
      I got the same phone call yesterday. A called Jessie or Jessica. She wanted to know why I hadn’t signed the mod.. I told her in not so nice of voice about the so-called mod, that they had nothing to do with. It was a (6) six dollar difference. I asked her if she thought I was stupid…
      When she called she said she was from “Noah Savings” just another name for LIBERTY LAW FIRM., but the same one I signed with. I called the 877 number and got the same (crap)as before. Her number worked, the one you have there. I left two messages and said, “if they wanted to finish my mod they could, but that wouldn’t happen.” And “vented”. She didn’t return my call, but thats alright.
      Anyone else get a call????????

      • Theresa

        I did telling me they were going to take $3000 dollars out of my now non-exsisting bank account. That was a few weeks ago. I told the very nice newly hired girl, she said she only worked there 2 months and didn’t know Brian and had never met him. When I told her about the guy hanging up on me when I said I was calling New York State on them she was shocked. I told her to look for another job.

    • Chris

      I called the number you gave Ivy and if you can believe this one, the number is temporarily disconnected. They just won’t allow to be caught.

      • Ivy

        Chris,
        I tried the number as well, and it has been temporarily disconnected. I’ll see if I can dig up another one. If I can, I’ll post it again.

      • Enlightened

        Chris, my husband went to the Montclair Office and spoke to a processer (I will not disclose her name @ this time) for she gave us some information. He told her how upset we were of the situation and she said that they’ve had few complaints and that they helped lots of people. Amazing..they are shutting down and she’s still defending them.

        She informed us that she couldn’t give us our file for we had given them copies and not originals as well as that we had given them permission to have them…that they need them for their records. Told her we didn’t trust them and they have our sensitive information. She also claimed she didn’t know where our file was etc. She also told us that we probably won’t get a refund.

        She informed us that Liberty Law is now closed and that she she was working for a 3rd Party. Company name acccording to her is Superior Processing which she informed was closed as well. She basically said it was like a contract company. Who knows if this is the truth or not. This thing keeps getting fishier with all the different names of companies. At any rate, the phone # she gave us is 1-866-630-0023. It appears to be a good number right now for a recording says you’ve reached Liberty Law Firm but who knows how long this will be good. All the other numbers I was given do not work..no surprise there. I hope the class action lawsuits that are being talked about in these comments are successful…it isn’t right what they’ve done especially to the folks who lost their homes and paid for a service that was never done!

  • Chip

    Hi Theresa, Could you please tell me where to find the Oregon article. It would be super helpful to me

    • Theresa

      I’ve tried to post several times on here and haven’t been able to, but what I did was I googled liberty law firm complaints and it came up as one of the first hits. Good job Oregon.

  • Theresa

    I just found an article from Oregon where it talks about liberty law and how they are going to to have to pay back their customers and pay the state $5000. It was an interesting article.

  • Ivy

    Well Brian, I see that you’re still full of yourself and continue to PUFF up. You really weren’t a huge deal at Liberty Law now were you? The processors did more work than you, as I am told. You’re sick of the thousands of miserable clients? No doubt. I’m sure it’s irritating to be dealing with honest people you helped scam. Yeah, what a bummer. So, what did that law degree cost you? It’s a shame you just flushed it away. You could have done something for people instead of helping screw them over. But, we all make our own path. Good luck with yours.

  • Brian Colombana

    One last thing, to all you former employees who were fired for theft and have now decided to take a career in slandering us on the internet, we’re still coming after you.

    • Ivy

      Oh now Brian, you’re going to go after your former employees? I’ve got a picture of THAT outcome in my back pocket. In case you haven’t noticed, your not immune from the law.

    • More Aware

      Oh Brian, a little peeved that the State Bar revoked your license to practice law? Now you’re going on to threatening people? Seriously…and in a public forum? Seriously?? Tsk, Tsk, Tsk.

    • Chris

      One last thing, to all you former employees who were fired for theft and have now decided to take a career in slandering us on the internet, we’re still coming after you. HOW DARE YOU SAY SOMETHING LIKE THIS, YOU TAUGHT THEM TO DO WHAT THEY HAVE DONE, YOU GET WHAT YOU DESERVE, THERE ARE SOME WORDS THAT I WOULD LIKE TO POST HERE BUT I DON’T KNOW THAT IT WOULD POST AND/OR BE APPROPRIATE, YOU GIVE THE MONEY YOU HAVE STOLEN FROM ALL THOSE INNOCENT PEOPLE, YOU ARE A PIECE OF WORK!!!!!!!!!!!!!!!!

    • Chris

      “fired for theft,” you should be put in jail for theft, you are the master of the operation. I find it amusing that you use the word “theft.” You will have to answer to somebody someday.

    • July

      Brian,

      I don’t think that you are at fault for what happened, although I do think that you put your name on too many business’ that weren’t under your control.

      I want to know how the former employees can get paid what they are truly owed? Not owed from you, owed from A & P.

  • enlightened

    Steve, I want to thank you for getting this information out. My experience with Liberty Law Firm started on late May..went to their Ontario office and was voiced my concerned about scams etc. The legal advisor (if that’s what they are) provided me with newspaper articles etc and assured me that everything was up and up. We ended up providing 3 checks $995.00 for their fee, $1495 for forensic audit & $249 for credit repair. We are current on our mortgage but it’s been a struggle. We tried doing this on our own and were declined and that’s why we thought a professional could do a better job. We were advised (by Liberty Law Rep) to miss our mortgage payments because the bank won’t even negotiate with us unless we were behind. The person we dealt with said we had a good case and wanted to help me. He assured me he wouldn’t take our case unless he felt they would be successful with the modification. He seemed truthful & compassionate. I recently e-mailed our contact which by the way came as undeliverable (it was good before). This is what got me researching this company (6/24/10) and found out about the judgement against Brian Colombana and about the office being closed. My husband drove to Ontario office on 6/25/10 and found out they relocated (there were people there but obvious they were moving)…the lady (don’t know name) wrote the new address as 4959 Palo Verde Street, Suite #203B,204B, Montclair, CA 91763. I could kick myself for not doing a thorough job before..I heard their ad in the radio and they seemed legitamate. Now Im probably going to be late for my July payment because of the money that I paid Liberty Law Firm but I’m thankful I found this out before I got to deep in this process..thanks again for your information that enlightened me. I’ve got my work cut out and will be making complaints with the various government agencies. I hope & pray that all the people that been scammed can get their money back or at least that these people be prevented from doing this to other vulnerable people

    • Chris

      The very exact same thing happened to me, what do we do, how do we get our files, the information that they have on our homes, personal information. I have tried to call them, no answer, I tried to call the rep/advisor that helped me and nothing, its been disconnected. I have to resubmit with my lender and need all my notes and information that was given to them. Does any body have any ideas on how to get all of information back from them.

      • Dwight

        Chris I feel your pain. Went by Liberty’s office and saw a sign posted in the doorway indicating that the firm had moved although all the same employees are at the Guasti address. A post of the pic of the sign can be found at:

        http://www.flickr.com/photos/51837811@N05/4772583197/

        As previously stated, Liberty is being resurrected as Aapex Solutions at the Guasti address. When you hit the aapexfinancial.net website and look through the branch locations, the Montclair location is listed as follows:

        4959 Palo Verde Suite 203B
        Montclaire, CA 91763
        Phone: 909-450-5745
        Toll Free: 888-406-0912
        Branch Manager: Phil Apodaca

        Funny thing is, if you look on the sign announcing Liberty’s move, it’s in the suite next door #204B.

      • Chris

        Thanks I appreciate your help. The chances of me getting my file and money back from those crooks is probably not going to happen.

        After reading the decision on the State Bar Website as to why he doesn’t have a license to practice, not only is he lying here to cover himself but he/they (his crew) have taken so much money from so many innocent people and these people didn’t get their money back, if it were anybody else, they would go to jail for stealing, shouldn’t Brian and his crew? I am sure if we were to get enough people together, something could get done and he could feel the fear that he and his crew have caused to so many people, losing their money and their homes.

  • 411giver

    Hello to all you disgruntled people. I find it very amusing how everyone is blaming Brian Colombana. With all these posts and looking at the dates that homeowners signed up, One question comes to mind. What did you do to help get your loan modified? I mean it has been all over the news for the past couple years to do your modification on your own, Most homeowners have tried to modify their loan with the lender way before they had someone assist them. They run into a brick wall and not qualify. Then they try and find a company to help them save their home from foreclosure. They pay the company only to have the company find out the same information the homeowner already knows.

    I mean lets be honest here. Those of you complaining that employees told you not to make your mortgage payment and you will get a modification. You do realize banks are saying the same thing to homeowners? Except it is stated like this ” Unfortunately I am unable to request for a modification for you because your loan is current. We can only request for a modification if you are past due.”
    So what do you do, You miss your payments in hopes of a modified payment. You then pay $995-$5,000 to have some company do a modification for you. Of which could have been made to keep your loan current.

    All that sounds like to me is that you want to get something for nothing. Lets be honest. Most people want to have their mtg payment reduced because they claim they cant afford it. Well then why did you even get the loan in the first place? I’m pretty sure that the people claiming someone told them not to make their payments, in fact were on time and nowhere near foreclosure status. Which means you wanted to jump on the bandwagon and get your payment lowered since everyone else is doing it.
    What does that say about the homeowner? You do have the ability to pay but decided not to, in hopes of getting a lower payment. ” ARE YOU SERIOUS?” I mean you signed on the dotted line for the loan at which point you stated you could afford. Then all of a sudden you cant afford it due to whatever hardship you have, And then you pay a company to help you get it lowered. ( Completely disregarding all the public information to do it on your own) Now you dont qualify and its someone else’s fault ? Come on people lets take some responsibility for our own actions. If you truly have a financial hardship then get it resolved. This modification process has been around for a LONG time, However it is more public due to people being in bad loans that THEY SIGNED TO IN THE FIRST PLACE. If you cant afford your home then Short sale the property and move on( Its only a House, HOME is where you make it) Why continue trying to stay in a property you cant afford anyways?

    In regards to Steve, You spend alot of time being the big brother trying to slander Mr. Colombana, However I find your ways to be very manipulating in favor of the victim. This is a prime example, scroll up to the post and reread what Mr. Colombana put and your response was. “So are you saying that it is your policy never charge any consumer for any loan modification work for any reason prior to a successful permanent loan modification being obtained from a mortgage company?” He never stated that in any of his posts. But that was a great attempt at locking him down, You must be a sells person yourself. I see you selling how bad Colombana is, based on information you gathered from disgruntled clients and Employees. But let me ask you a question, What kind of service have you requested from MR. Colombana that YOU were dissatisfied with ?

    I just wanted to give my 2 cents on this matter as a bias party and point out some facts.

    Blame is easy to do, some of these homeowners even stated they had to withdraw money from a 401k to pay for the services….. Really ?
    Some also state they were current till someone told them not to pay ….. Really ?
    Just seems to me that alot of these people have the TAKE TAKE TAKE attitude and no responsibility for their own actions. You got behind ( for whatever the reason) You knew that if you miss 90 days late you go into default, miss 120 and you go into foreclosure, If you say you didnt know then go back and READ your signed contract the lender gave you when you borrowed the money.

    If you guys spent as much time looking at those before all this then you would know what to expect and what to listen to. Quit calling the kettle black people.

    If you really have a problem go look at all the lawsuits against your lenders and you will see it truly is the banks that aren’t being the honest ones. Its the companies that see a way to make money and trying to help out as much as possible. IF the bank says no then there is absolutely nothing that can be done except ask again. You either do it yourself or have someone help you with it.

    With all the knowledge these post have given to homeowners, your energy should be focused on doing whatever you can to get it resolved. It is going to cost money either way you chop it.

    1)Either you pay back the amount owed to the bank and resolve your defaulted status,2)request a modification yourself( with no knowledge of what the lender needs to see to get a modification) , 3) you pay for a companies knowledge of how the process works and hope for the best, or you sale your property Via Short sale or Foreclosure. Thats it people !!! No secret to this process. Its all the same with every person.

    Remember even if you guys get your money back from a person who did try to help you , it still leaves you in a situation that needs to be resolved. Use your energy securing a resolution before you start blaming people for losing your home.

    If anyone would like to ask me questions about foreclosure please do so , As I have been in loss mitigation for over 8 years. Nothing has changed except peoples excuses on why they cant afford the original payments.

    • Gorge

      411GIVER aka FROM THE INSIDE,

      Dont even act like LL is a legit operation, it’s just a SCAM. You worked there, you know that. You’re a CLOWN and the ‘law firm’ is a JOKE.
      So it’s the lenders that are saying no, being obstructive?? PLEASE!! How would you know if you guys NEVER even contacted the lenders in the first place?? Dont act like you did so much work! YOU GUYS NEVER DID ANY. In rare cases you might have faxed the banks a third party athourization letter but that’s it! Is that the hard work you’re refering to? Is that the ‘work’ you charge 3,000 dollars for? You tell people its so important to send documents ASAP, but do you send your victims documents on time? You tell people its important to follow-up with the banks, but do you follow up with the banks of your victims? Of course not. Because after you steal your victim’s money your job is over.
      You act like some of your victims got their money refunded. GIVE ME A BREAK! A scam operation never returns the money they stole! Who are you trying to fool?
      So now that your scam is shut down, what are your ulterior motives for being on this forum? Are you searching for more suckers?
      You claim to have worked in loss mitigation for 8 years. PLEASE! You expect us to believe you ever made an honest living? Go back to cleaning toilets. Or maybe right now youre trying to come up with a new scam. Best of luck in your new scam operation.

      • Busted!

        I think it’s hilarious all the back and forth between crooks on here!! Isn’t that a typical criminal blame each other, blame the victim and take zero responsibility!! You post these long explanations and blame people for paying and trusting a company to do the right thing based on their own contract. It doesn’t matter how people got into the situation they are in they paid you to help them and you did nothing. Oh wait I was wrong you did do something you cashed their check.

    • More Aware

      You’re so funny, Brian!! HAHAHAHA Glad you can’t harm the public any more! Now pay back the fees you collected for doing absolutely nothing with your clients’ files!

      I wonder now that Colombana’s Law License has been deactivated due to potential harm to the public – will they let him keep his Real Estae Broker License and/or Life Insurance Broker License?

      • Brian Colombana

        More Aware, still posting at 4:19 am. You must still be getting those unemployment checks you filed for after working 2 days with my company.

      • JMT

        Hey Brian… it takes one to know one huh! Everything you and your people have done in the dark…will very soon come to light. It always does. Pay back is a bitch!

      • More Aware

        Why do you keep insiting that I worked for a slime like yourself. BTW, I’m not unemployed – unlike you, I earn an honest living! See you in Arbitration!! Oh, and bring a checkbook. It’s time you pay your dues!!

        If anyone wants to read the whole order go to the CA State Bar website, search for Brian Colombana, scroll all the way down the page. There’s a pdf and word icon there that you can click and read.

    • Nicole

      I TRUSTED this guy named Matt Ward, who before paying $3000 to lower our house payment we were current, we could afford our house payment. I am trying to finish my nursing degree and by lowering my house payment we wouldn’t have to beg or borrow the money to finish. These people have LIED to us! Our loan, despite what I was told NEVER qualified! We are honest people and have given any and all information that was asked of us. We only want our money back…..you live and learn but scum who take honest hard working people’s money deserve to be locked up.

  • Nicole

    We started a loan mod process 12/09. We dealt with a man named matt ward through liberty law firm who. We told us our loan qualified and our payments and interest rate would go down significantly. We paid the $3000 to begin the modification process. We were told if there was no loan modification done we would get a full refund because during theis whole process our money will be in a trust account of sorts so not to worry that we would have that money to get back if things fell through. Fast forward to now….I have requested our money back, our loan does not qualify afterall and now our house payment is going up almost $200! Now I can’t get a live person on the phone I can’t get anyone to return phone calls. I was told when I first requested a refund that the request would be submitted but that it can takeup to 60 days to get it back. I have left mulitiple messages, voice mails and e mails. I have been waiting for someone by the name of lynette to call me for about 2 weeks now….I only want our money back. I had to take a hardship withdrawl out of my 401k….another hit to the finances. Where do I go from here. We only want back what we were told we would get bac k I

    • Chip

      Matt Ward signed me up also. He is nothing but a lying, cheeting, car salesmen. We signed uo on 11/6/10 with him. He told me the same thing. He also told me the exact payment and program I would get. He was impossible to contact 2 weeks after I paid my down payment.
      These guy’s have to go

      Chip

      • Nicole

        Everything seemed to be ok for a long time. Gema Bucio was who I was dealing with after Matt(she was his “assistant”) after about 2 1/2 months or so I began to question why things were taking so long. Gema and Matt both told me not to worry, your file is going through very quickly all is ok. Fast forward to today…Matt is no longer with the company. Not one single phone # I have gets me to either a live person or a voice mail to leave a message at. I have been in e-mail contact with the now 3rd person “handling” our account Whittney Rowell who says she has submitted our info for a refund because our house payment is going UP almost $200….no mod here because despite what I was told and despite what I paid for, our loan NEVER qualified for this program! We were totally lied to. And what is really sad is we knew of several people who have done this and they were ok. My best friend did it at the same time I did, her loan is through CITI mortgage who is lowering her house payment by A TON! But the smaller companies aren’t so willing to do so. So, now we’re out $3000 (maybe to be returned??) and when I asked Whittney for contact info to “accounting” to follow up on our refund she told me accounting doesn’t have a direct # to call….WTF??? I have filed complaints with the BBB and the Washington State Attorney General’s office. I don’t know if either of these steps will do any good. We only want our money back.

      • http://GetOutOfDebt.org Steve Rhode

        Nicole,

        The California Attorney General’s office suggests filing complaints with these additional offices as well.

        California Attorney General’s Office

        Federal Trade Commission

        California Department of Real Estate

        State Bar of California

        They also say “You may also wish to consider filing a Small Claims Court action. These are informal courts where disputes are resolved quickly and inexpensively by a judge. You can recover up to $7500 in Small Claims Court. You represent yourself and can request a judgment for monetary damages.”

        Steve

      • Theresa

        The BBB is no help. This company is not associated with the the BBB at all. I just got an email back from them saying that my complaint was not responded to and that my complaint would be forwarded onto the government for further investigastion. So I would still file, but LL is not a member of the BBB and has not been since Decemeber 2009, when they told the BBB they were going out of business and to forward all issues to some random email address and phone number. I called the BBB and that was what they told me about LLF. I spoke to my local branch in NY and the branch in CA as well and both told me the same thing. That there was nothing that they could do.
        I feel bad for the people who work for this place since some of them seemed like very nice people, but some of them seem to have issues. Right now I could use the money I paid them as well back as well, but I feel just as dumb as anyone else.

  • Gorge

    Yesterday I drove to my local car wash. I saw Brian working there argueing with a customer. He was swearing up and down that he already gave her change for her ten dollar bill. Oh Brian, when will you ever change? LOL

    • Brian Colombana

      Haha. Jorge, sitting here posting online at 11:46 am on a Thursday. I think you need to get back to work.

  • Kati

    It’s laughable all the work that “the inside” claims has to be done. It wasn’t hard at all…I am Fraud’s daughter-in-law and it was quite easy to do. The main thing is to stay in touch with the lender and find out what else they may need in advance. I would be happy to help anyone at NO COST because it was that easy. Let me know and stay away from the sharks on here who are on here. I work full time and go to school full time and was able to help my mother-in-law successfully complete her modification AND file a small claims case. These people who claim to be former employees should volunteer the same to everyone who needs help. They have manipulated people regardless if they were directly involved or not. If you drive a robber to the rob a bank you are still an accomplice whether you admit it or not! So please let me know if you or someone you needs help I am happy to share what I know and help you. Everyone is going through hard times right now and we need to stick together and help each other.

    • July

      Chelsee is that you?

      • Kati

        Ummm no my name is Kati. That’s why I put “kati” in the name field.

  • Ivy

    Liberty Law Group, Provident Law Group, and Noah Savings are all the same, and yes, it is a scam. As I type this, I am on the phone with a former Liberty Law Firm employee. They no longer work there, but boy what a wealth of information I’m getting. I will fill you all in as I get more inormation.

    • Dwight

      Ivy, what were you able to find out? Please fill us in. I am sure that the readers of this board collectively thank you for the information.

  • Darrell

    I received something in the mail for a loan modification from a LIBERTY LAW GROUP out of Irvine, California with an attorney’s name of Michael Kazimi. After talking to Tracy on the phone she said their fee is $2,475 once the loan is closed. No up front money. Anyone have any comment about Liberty Law Group NOT Liberty Law Firm?

  • The Raven

    Let’s clear the air……
    I would have been called out if any statement I made about the company was not true. I am not a disgruntled employee, I in fact met some interesting people while in the employment of LL. No FOOD as you put it was ever put on my table by LL. In fact I went almost broke being there the time I did because I didn’t believe in the BS statements. Chances are by your writing methods, you are employed with LL in some way, possibly female by your ….. style and in management. I write here because people are teed off about your company, on both sides, I only want them to know the truth… so let me ask you..
    Why exactly were people paying $995 Upfront? Let me guess for Financials + a Hardship letter? Please…….. SB94 compliant you are not, and you will be judged!

    • Brian Colombana

      Based on your post, it seems you know less about loan modification law than even the state bar. In my hearing, I had to sit and listen to the Office of Chief Trial Counsel continuously refer to SB94 as AB94. They weren’t even familiar with AB764 as I’m sure you’re not either. I found it humerous that the very agency trying to enforce the law didn’t even know the name of the law.

      The Raven:
      People aren’t paying $995 up front. As you mentioned, they’re paying for the financials, hardship letter, phone call to lender, and package preparation; all of which was accomplished prior to our client handing over the $995.

      • http://GetOutOfDebt.org Steve Rhode

        My understanding is that when SB 94 was signed the governor vetoed AB 764 so it never went in effect?

        Brian, rumor is that you and Tom are starting a new company. What’s the name?

        Steve

      • Busted!

        Hey Brian,

        I have an email from you where you talk about submission being part of the $995.00 So what happens when you never submitted anything or did anything, but cash the check? Or say that you did but the mortgage company has no record or when you say you called a lender who wasn’t the lender. And then your people send emails that are full of lies? You have nerve to call anyone ungrateful. You were paid to complete the work stated in the contract and failed to. You went to law school what is that called? A breach of contract or fraud? I guess we will find out if you show up for the small claims case we filed huh? Or will you claim you didn’t receive it like you did with your State Bar case? Either way I doubt we’ll ever see a dime from Liberty Law. I just hope you and the employees involved in the scam are exposed and justice prevails for the people who lost so much. You know about justice right? You went to law school or is that a scam too?

  • From the Inside

    1. Generation of Financials
    a. Use Excel Spreadsheet…Determine your Gross and Net Income (including SSI, Disability, Rent, Unemployment, Family Contributions…everything that you can verify). If you are self employed, be prepared to generate a Profit and Loss Statement for the last 6 months. Unemployment income is can only be used for HAMP applications.

    b. To qualify for HAMP, calculate 31% of gross Income. New payment will include: principle, interest, taxes and insurance. If payment is lower than your current payment…You qualify.

    c. Calculate your monthly expenses….You can be flexible with your utilities because they vary monthly, but be reasonable, I use $100-$150 per household member for groceries, $50 a month for fuel per vehicle, I refuse to provide information regarding: union dues, dry cleaning, lunch for work, entertainment, pet expenses, clothing, parking, spending money, and donations. Lenders will consider this a luxury and will probably not accept the expense.

    d. Compare your Income with Expenses to determine surplus or deficiency. NOTE: Try to have a surplus of income between $50 and $100. If your Lender is a Credit Union, you must have a surplus of $200-$300 a month. I don’t know why… but it’s my experience this Lender requirement for Credit Unions….Credit Unions are tough!

    2. Create Hardship Letter
    a. Keep the hardship Letters brief and to the point. Don’t type your version of Harry Potter…Don’t threaten the Lender (violence, let the property go, self inflicting harm, etc)…You will not believe how many hardship letter that I have reviewed only to revise. Have an action plan…For example…” We have decided to reduce the amount we pay for our credit cards in order to make good on our future payments. If we can’t make our credit cards in full, they can’t take our home, but you can.” Tell the Lender what caused the hardship, what you are doing to correct the problem, and make good on your intentions.

    3. Complete Request for Modification Affidavit
    a. For HAMP or In-House applicants (depends on the Lender)

    b. Make sure to ask Rep what forms you need to complete and where to access. Even if the Lender is mailing a packet…download and complete anyway. Keep for your records.

    c. Most forms are available on Lender website.

    4. Prepare Full Modification Packet (Stacking Order may vary per Lender….ASK LENDER)

    a. Request for Modification Affidavit. Signed 4506-T, 2009 tax returns, current paystubs for 30 days, 2-6 months bank statements (all pages…6mths if self employed), financial worksheet, hardship letter, two utility bills (HAMP or In-House for primary residences).

    b. Make sure you handwrite account number on top right corner of each document. I purchased mailing labels and printed via Microsoft Word to maximize time.

    NOTE: Every time you get a paystub or bank statement, make a copy and fax to your Lender. Don’t wait for them to request the document or you will be a waiting fool.

    5. Submit Modification Packet to Lender
    a. Mail a copy/Fax a copy (make sure to get a confirmation from the fax machine). Make sure to keep a legible copy for your records in a folder (to make sure you have something to re-send the Lender just in case you get the “We never received anything” excuse.

    6. Follow-Up Calls to Lender (Weekly or Bi-Weekly)
    a. Keep a conversation log; get name and employee ID of everyone you contact. Simply ask to the status of your documents and if there are any other documents needed.

    7. Review all Correspondence from Lender
    a. Remember, if you are behind on your mortgage payment, the collection process will continue. This includes if you have a Notice or Default/Notice of Sale.

    NOTE: If you have a Sale date that has been extended, keep in mind the Lender will automatically extend the date within 7 days of the sale (as long as all documents received). It is your responsibility to contact the Lender to see if you need any other documents. Don’t wait to send the documents….send them ASAP.

    8. Confirm Approval
    a. When you do receive the modification offer, review it and decide if you will accept the offer. Sign and return via next day mail. If you are only saving $200-$400 via an In-house Modification, it’s still better than nothing. Go over the positives of the modification. Did the Lender put the late payments on the principle? Will this modification help you in the immediate future? HAMP is a temporary solution, not a 1% rate for 30 years. I understand that a large number of Californians utilized the non-defunct State Income or No Doc loan programs. You have to be reasonable. Chances are your only other option is a Short Sell or foreclosure. Pretending to be unfazed and threatening to “let the house go” is not going to convince the Lender to give you a lower payment.

    9. Make payments on time.
    a. The number for modified mortgages goes default in the first 3 months.

    b. If possible, make your payment a week earlier. Verify of the way Lender will accept payment…DOCUMENT IN YOUR RECORDS!!!!

    c. Continue to communicate with your lender to see if the need any additional documents.

    d. If you don’t receive a permanent modification, contact Lender to see what payment amount to make.

    10. If Modification is Denied
    a. Review financials….did your income change?

    b. Revise financials and resubmit.

    NOTE: I have had clients that were denied 3 times and after following the above mentioned stop received a modification.

    The modification process are not completed overnight. It is time consuming and require an attention to detail. Hopefully, you can use this information to help yourselves and also take into consideration the time spent by the people WORKING THE FILE and not some thief just trying to make a buck. Instead of going back and forth with insults, I am providing information to help those that fell they were screwed over. I hope it helps.

    The $995 fee covered the following:

    1. Qualification
    2. Financial Worksheet
    3. Hardship Letter
    4. Lender contact and program qualification
    5. Completion of RMA forms
    6. Stacking of complete package, including all Borrower Documents
    7. Submission
    8. Follow-up in 24-72 hours to confirm reception
    9. Resubmission if required
    10. Provide client with all information to provide follow-up with Lender.

    The rest is up to the client. If they follow our directions, the system works. Sometimes they are unsuccessful due to various reasons.

    I provided follow-up as a courtesy to my clients….CUSTOMER SERVICE….

    If you go to a Legal Document Preparation company, they prepare your paperwork; they do not represent you in court. We provided the same service.

    • Gorge

      Brian aka From the Inside,

      you have alot of free time on your hands huh? LOL

      • Brian Colombana

        I don’t have that kind of time. But most of that is true. However, the $995 only covers up until submission. Monitoring the progress is not included in that fee, however, we did often provide additional services at no charge. There’s no way we could have afforded to do that in the $995. I’m actually relieved that I no longer have to deal with modifications. Running a modification company and dealing with thousands of the most ungrateful people I’ve ever met was a miserable experience. One I’m glad to be done with and won’t miss at all.

      • Mike

        Ungrateful???? You are such a miserable liying thief. God I hope I can catch up with you and get some of my money back. Where do I send the process server Brian? You’re name was on the LL pig so you get the papers. I guess I will try the Law Offices of Brian J Colombana. Maybe I will even stop by and say hello. Clearly you and your firm engaged in fraud so, that’s on you buddy.

    • From the Inside

      Sorry for not providing a title….The comment above is for people that haven’t received a modification yet and still need to complete the process. You can do this yourself. It’s time consuming, but with patience, a modification can be achieved….good luck. I hope you get a refund if you fell victim to former employees that said anything to close a deal.

      • Not Telling

        Since when did any one at Liberty do half of that. I watched reps calling “The Bank” and tell the bank that the client was sitting next to them and the client wasn’t in actuality it was another rep. I know of some of the reps that pocked money instead of turning in the paper work. I have watched as Phil and Alfred ask for all the personal credit information for each and every client why did they need all that when they were supposes to be running the company they sure as the heck weren’t calling a bank instead they were busy taking the money and pocketing it

  • Christine Gonzales

    My sister and I were scammed too. What about a Class Action Law Suit? How can we start the process.
    I went to “New” location today in Montclair to request my refund and the employee stated that they were a 3rd party processing company and could not issue a refund but would continue to work on our modification. With the same name? go figure…What a joke!!!!!!Help!!!

    • nancy atanay

      We are the minority who were successful in getting our loan mod. It wasn’t without going through months and months until we figured it out that we had to show up in person and would not leave until we got answers. We demanded to talk to an attorney and finally got things together with our lender, Wells Fargo home mortgage. It wasn’t without a fight – it was months of phone calls and tenacity and we would not give up. I guess we were lucky to get this finalized before the news as of today. – we did our trial period with payments and Wells Fargo granted us a payment that dropped us from $3500 per month to $2100. It it weren’t for the fact that I spent months talking to Wells Fargo to make sure they were getting the information this never would have happened. Liberty Law was clearly not doing their job, I do know there are so many people who have had horrible experiences – we certainly did, and if I didn’t have the extra time to persue this we would never have this loan mod completed. My best wishes to all of you; I truly know what you have all been through. I would arrive unannounced at the Ontario office and raise Cain in from of prospective clients until I got answers. I hope I never have to go through this nightmare again. By the way, moving to Arizona, it’s just not worth it to live in Brea, CA retired.

    • From the Inside

      The sad thing is the current or former employees of Liberty Law are only providing inside info after they became disgruntled employees. Chances are you participated in the same processes that you are now complaining about. So now, after a dispute with the organization do you stand up like a “savior” or something? What a joke! You closed the deals, took the money, received your commission, and lived your life…Did you at least try to help the client with follow-up every 1-2 weeks? Did you provide the client with accurate financial worksheets? Or did you just take the money and moved on to the next application? Or did you get greedy and feel that you could provide the same service by yourself and keep all the money…Did you open your own shop, steal leads, a sell your service?

      Remember, heavy weighs the crown!

      In regard to most of the complaints…I think it’s messed up that you paid thousands of dollars and feel as if you received no help……I hope you receive a refund or get a modification. I suggest you request a copy of the financial worksheet that was prepared and contact your Lender every week to see if there are any additional documents needed. Keep a conversation log (just a sheet of paper), financial worksheet, as well as a list of all contact and fax numbers provided. This is just in case the Lender calls and asks questions regarding your income and expenses…No surprises. Upon the Lender requesting any document, fax with a cover sheet WITHING 24 HOURS…THAT DAY, IF POSSIBLE…Make sure to write the account number on the top right hand side of all pages faxed. When you communicate with the Lender….DO NOT PROVIDE ADDITIONAL INFORMATION THAT WILL CHANGE YOUR FINANCIAL WORKSHEET. Your Lender will often ask probing questions seeking this information. It will hurt you more than help. If you feel that you are not getting anywhere with the Rep that you are speaking with…HANG UP AND CALL BACK! Be persistent…Keep a copy of every document that you send your Lender in the same place you keep your financial worksheet, call log, and contact info. This way, if your Lender plays stupid and request the documents again, you have them. I can not overstate how many times I sent the same documents to the Lender……call back in 24-72 hours to make sure the documents are scanned and added to your file.

      FYI…Try to do this M-F between the hours of 5am to 5pm PST…..Most Lenders I contact are on the East Coast…Saturday s are difficult days to talk to someone from Loss Mitigation…But, it does happen. The times may sound difficult to work…..But I call from 7am to 4pm PST…I’m suggesting different times based on various work schedules….

      This is only part of the process that I go through for every client I service. A good rep will take at least 2 days per week just to service clients…The problem is when you have people just focused on $$$ and not their job….THOSE ARE SCAMMERS AND I HOPE THEY GET WHAT’S DESERVED!

      To those that paid $995 for the financials, pre-qualification, and assistance….ARE YOU SERIOUS! Keep in mind….some people simply want too much….You can save someone $500 or more a month on their mortgage (which I have) and they still complain (“You can’t get that payment lower?”)….WHEN IS THE LAST TIME YOU COULD SAVE $500 A MONTH!!!! In regard to going late on your mortgage, most Lenders will not consider you for a modification if you are current. The choice is up to the client to miss a payment…I HAVE NEVER TOLD A CLIENT TO NOT MAKE A PAYMENT UNTIL THE MOD IS DONE…..THAT’S JUST MESSED UP! I do suggest that if they decide to go late, its best if you don’t waste the money…just save it to show reserves….The flip side of that coin is some people become comfortable not making their payments after 2-3 months.

      Expectations are the biggest problem of this service. Some homeowners expect the Lender to drop principle balances to current value, lower their rate to 1% for 30 years, and get a payment that will afford them to over-indulge JUST LIKE THEY DID DURING THE REFINANCE BOOM! The worst are those that are trying to lower the payment of a 2nd home (N/O/O or Investment Property) and are current….THE LENDER WILL NOT WORK WITH YOU IF YOUR ARE CURRENT….YOU WILL NOT BE CONSIDERED FOR A HAMP MOD….ONLY AN IN-HOUSE TRADITIONAL MOD…..IN SHORT…THE LENDER SELECTS THE PROGRAM IF IT’S AN IN-HOUSE MOD!

      Take some responsibility for your own actions…not just throw people under the bus that bust their tails off TRYING TO HELP….Yes, there were some people that said anything to close a deal…The majority of them are gone…..Managers inherited the files and offered the clients the option of processing…But no! People want everything for nothing….Please clean up my mess and don’t earn a living while you are doing it….. The office did cease operations, but, I still contact those that were signed up and still provide status reports and follow-up. Clients are always encouraged to call the Lender as well. I don’t feel that a $150-$200 is worth ripping people off….I am not making hand over first here…but I do my job….As thankless as it may be at times.

      • Fraud

        “The Inside”

        You are so full of yourself. The modification I paid for was never completed not one single part of it. How do I know my daughter-in-law contacted the lender and now has copies of all correspondence faxes and phone calls that were made to my lender. Guess what? None are from anyone at Liberty Law. My daughter-in-law worked her tail off helping me successfully get my loan modified and guess how much it cost me? Not one penny…so please explain to me how you deserve you to get paid for my account. Better yet save it…you knew you were working for a fraud and if you didn’t follow your own advice, “Take responsibility for your own actions,” instead of taking advantage of people who needed help. All I have to say is kharma.

      • From the Inside

        I can only speak for my clients. I can’t speak for others…..So instead of being an “internet thug” and suggesting that I’m full of myself, appreciate the blog and hope that others will take into consideration the options I provided. At least I am professional enough to try to speak up….In regard to the lender…WHAT DO YOU THINK THEY ARE GOING TO TELL YOU! They don’t want to work with anyone…they control the process, and deny you for any reason…..The small commission I earned is to complete the financial worksheet, pre-qualification with the Lender, complete a Request for Modification Affidavit (RMA), forward all documents to the Lender, and provide follow-up. I always ask my clients to participate in the follow-up to make sure I am doing my job as well as establish client participation. There are time the Lender will tell me one thing, only to tell the client something else…IF THE LENDER REALLY WANTED TO HELP YOU…YOU COULD HAVE RECIEVED A MODIFICATION A LONG TIME AGO…..The truth is….people come to us for two reason…first to have someone do everything for them….second, to have someone to blame in case the modification is unsuccessful of doesn’t reduce your mortgage payment by $1000 with a principle reduction….I can’t keep count of how many clients provided one set of information over the phone…only to completely change the info during the appointment, and again after the documents are sent to the Lender…I do empathize with your struggle, but not all of us are bad…if I am allowed, I will provide a step by step process of resolving your modification needs in this forum…IF I WAS A FRAUDULENT…I WOULDN’T PROVIDE ANYTHING….In regard to your karma statement…..I’m good…..I keep in contact with my clients, continue to contact the Lender, and provide follow-up.

      • Fraud

        Acutally I went to Liberty Law because I didn’t know how to do it and trusted what I heard on the radio advertisement. As I stated before nothing was done by Liberty Law and I received a copy of all the conversations and faxes that had occurred. Also, once my daughter-in-law got involved it took approximately 2 months to complete. She continously called and faxed etc and wow it was done. Had Libtery Law even attempted anything I am sure it would be fine. And I wonder where are all these happy clients? I keep hearing about how there are so many, but no one is around to back it up. Whatever, at the end of the day they were shut down and I have a pending case in small claims that I will probably never see one penny of. Why don’t your clients come on here and praise you and all your work? lol…save your response I am over it maybe you’ll be in court too.

      • From the Inside

        I haven’t asked them too…Most people do not know the forum exists. As with anything…after a service is provided, you rarely hear from the client unless it’s a referral. I’m not worried about going to court….I am happy everything worked out for you….It sucks that you had to get someone else to do it for you…Your daughter-in-law understands the time consuming process….It’s exactly what I fprovide from my clients…But I can’t speak for everyone…I agree with you…If someone from the company jerked you over…then they deserve everything that’s coming to them….by legal means or karma…..Chances are they were terminated and even had the authorities contacted….They are probably the people in the forum “In the know” that are sladering the same comany that put food on thier table.

      • Gorge

        Inside,

        you’re Brian right?

      • From the Inside

        Nope

      • Dwight

        Inside’s initials are C.M., aren’t they?

  • The Raven

    Here’s more info…. AAPEX SOLUTIONS IS THE NEW NAME AND WILL BE OPEN BUSINESS AS USUAL TOMORROW AT SAME ADDRESS!! new furniture, faces and files. (All files, leads, various other documents from Liberty Law were ordered to be shredded (however a few were saved by escorting them to my home office in case I can save a few of these houses). Some of you should stop on by and say hello now that you know who they really are……
    Also what do you know.. I’m involved in a class action suit against Liberty Law. Just received a letter today. Guess Justice will prevail they swindled people on both sides of the office. Hope to fill you all in on details as they come…. The Raven

    • Christine

      Can you post the contact info for the class action…Thanks

      • The Raven

        If you were an account executive you should receive it. I don’t think it to be wise to post such an item since both sides of that office watch and post here.

      • Michael Carlson

        “The Raven”,

        If you really are involved in a class action law suit there is no harm in posting that info. here. I was an AE there and have not, and probably will not, recieve any alleged class action suit info. I really doubt there is any such suit. Why the knickname? If you are truly trying to do the right thing you should have no problem using your real name. What are you affraid of? If you can’t put your name on your so-called principals then they and you are worthless. Haven’t seen a recent post from you. Lmao! You were just on here at the end to stir up even more BS. The only people that worked there when you did were losers that couldn’t get another job and shady people that were ok with what was going on there.

    • From the Inside

      If you took files to your house….That’s stealing…Perhaps you never closed the deals at Liberty and took the files so you could charge fees and keep the money yourself….Sounds fishy!

      • The Raven

        Or From the Inside…. I really do care about these people that trusted and believed I could modify there home so I AM doing the follow up with their banks, I AM updating there financial information, and I AM making sure everything is going according to HAMP guidelines to assure these people that I AM A PERSON OF MY WORD!
        I did not STEAL anything as you put it… I AM doing what stressed homeowners requested from the beginning without asking clients ANOTHER DIME FOR MY SERVICES. I’m doing this COMPLETELY FREE OF CHARGE. I received my portion (a very small portion of $150.00) to do a job, and no matter what You “From the Inside” may think, unlike those unscrupulous individuals running Liberty Law, I do care about the clients and will see their mod till the end. So hope this answers your assumptions “From The Inside”,
        and if it’s fish you smell,
        You Need to check yourself…..
        The Raven

      • cnd

        How do i now you have my file?

      • July

        Alfred gave files to Reps to go peddle mods,lmfao!
        So when the owner(Alfred) gives the files to the employees to make the money that he wont pay, that’s how the files get sent home.

      • Not Telling

        ok I am late it reading this stuff but being an ex-insider Disgruntled not really, I left/was fired for voicing an opinion about the company and the 2 Ladies that if you so much as looked cross eyed at you were fired. When threatened with my job I offered to leave.

        At any rate Alfred would never let anything out of that office that he couldn’t recycle and see if he could re use later. How many times did you AE get used and burnt up leads.

    • just me

      On their website, they’re also posting: 4959 Palo Verde St. #204B Montclair, CA 91763 as their new location.

      I understand that Brian had his licensed pulled, but I think all the owners of all the companies that had anything to do with all of this need to be dealt with also. After all, they were on it too. Is nothing going to happen to any of them? And how many people and companies are there that this place is so entwined with?

      • http://GetOutOfDebt.org Steve Rhode

        The old Liberty Law Firm address is now being used by a company called Provident Law Group. I’ve written about them but they claim they are in compliance to charge advance fees. Read the article and post your comments on it. I’d love your opinion and feedback on Provident Law Group. Click here to read that article.

        Steve

  • The Raven

    Liberty Law and the red queen are now defunct. Here’s the juicy stuff from the inside. Colombana is out, obviously due to his previous history of suspect transactions. A new lawyer will step into his place, new company with new name will magically appear from the ashes of Liberty Law in the same place. The move for this new company to Corona,CA was halted due to rental complications. This company will stay at this office till around September. Bankruptcy Lawyers who were at this office are revolting and completing lawsuit filings against Liberty Law for a number of reasons but no one goes to court without money on the mind. The core group of managers are still in place. A new office with certain individuals from Liberty law will open up an office in West Covina (name unknown at this time). Another office is open in Santa Ana (name unknown at this time) is in shambles because of the greed of all involved. As for me…… ???????? I’ll let you know..

    • http://GetOutOfDebt.org Steve Rhode

      Please let us know how the saga continues. Remarkable.

      Steve

    • From the Inside

      The sad thing is the current or former employees of Liberty Law are only providing inside info after they became disgruntled employees. Chances are you participated in the same processes that you are now complaining about. So now, after a dispute with the organization do you stand up like a “savior” or something? What a joke! You closed the deals, took the money, received your commission, and lived your life…Did you at least try to help the client with follow-up every 1-2 weeks? Did you provide the client with accurate financial worksheets? Or did you just take the money and moved on to the next application? Or did you get greedy and feel that you could provide the same service by yourself and keep all the money…Did you open your own shop, steal leads, a sell your service?

      Remember, heavy weighs the crown!

      In regard to most of the complaints…I think it’s messed up that you paid thousands of dollars and feel as if you received no help……I hope you receive a refund or get a modification. I suggest you request a copy of the financial worksheet that was prepared and contact your Lender every week to see if there are any additional documents needed. Keep a conversation log (just a sheet of paper), financial worksheet, as well as a list of all contact and fax numbers provided. This is just in case the Lender calls and asks questions regarding your income and expenses…No surprises. Upon the Lender requesting any document, fax with a cover sheet WITHING 24 HOURS…THAT DAY, IF POSSIBLE…Make sure to write the account number on the top right hand side of all pages faxed. When you communicate with the Lender….DO NOT PROVIDE ADDITIONAL INFORMATION THAT WILL CHANGE YOUR FINANCIAL WORKSHEET. Your Lender will often ask probing questions seeking this information. It will hurt you more than help. If you feel that you are not getting anywhere with the Rep that you are speaking with…HANG UP AND CALL BACK! Be persistent…Keep a copy of every document that you send your Lender in the same place you keep your financial worksheet, call log, and contact info. This way, if your Lender plays stupid and request the documents again, you have them. I can not overstate how many times I sent the same documents to the Lender……call back in 24-72 hours to make sure the documents are scanned and added to your file.

      FYI…Try to do this M-F between the hours of 5am to 5pm PST…..Most Lenders I contact are on the East Coast…Saturday s are difficult days to talk to someone from Loss Mitigation…But, it does happen. The times may sound difficult to work…..But I call from 7am to 4pm PST…I’m suggesting different times based on various work schedules….

      This is only part of the process that I go through for every client I service. A good rep will take at least 2 days per week just to service clients…The problem is when you have people just focused on $$$ and not their job….THOSE ARE SCAMMERS AND I HOPE THEY GET WHAT’S DESERVED!

      To those that paid $995 for the financials, pre-qualification, and assistance….ARE YOU SERIOUS! Keep in mind….some people simply want too much….You can save someone $500 or more a month on their mortgage (which I have) and they still complain (“You can’t get that payment lower?”)….WHEN IS THE LAST TIME YOU COULD SAVE $500 A MONTH!!!! In regard to going late on your mortgage, most Lenders will not consider you for a modification if you are current. The choice is up to the client to miss a payment…I HAVE NEVER TOLD A CLIENT TO NOT MAKE A PAYMENT UNTIL THE MOD IS DONE…..THAT’S JUST MESSED UP! I do suggest that if they decide to go late, its best if you don’t waste the money…just save it to show reserves….The flip side of that coin is some people become comfortable not making their payments after 2-3 months.

      Expectations are the biggest problem of this service. Some homeowners expect the Lender to drop principle balances to current value, lower their rate to 1% for 30 years, and get a payment that will afford them to over-indulge JUST LIKE THEY DID DURING THE REFINANCE BOOM! The worst are those that are trying to lower the payment of a 2nd home (N/O/O or Investment Property) and are current….THE LENDER WILL NOT WORK WITH YOU IF YOUR ARE CURRENT….YOU WILL NOT BE CONSIDERED FOR A HAMP MOD….ONLY AN IN-HOUSE TRADITIONAL MOD…..IN SHORT…THE LENDER SELECTS THE PROGRAM IF IT’S AN IN-HOUSE MOD!

      Take some responsibility for your own actions…not just throw people under the bus that bust their tails off TRYING TO HELP….Yes, there were some people that said anything to close a deal…The majority of them are gone…..Managers inherited the files and offered the clients the option of processing…But no! People want everything for nothing….Please clean up my mess and don’t earn a living while you are doing it….. The office did cease operations, but, I still contact those that were signed up and still provide status reports and follow-up. Clients are always encouraged to call the Lender as well. I don’t feel that a $150-$200 is worth ripping people off….I am not making hand over first here…but I do my job….As thankless as it may be at times.

      • Gorge

        Brian is that you? LOL

      • http://GetOutOfDebt.org Steve Rhode

        Just found another Liberty Law Firm web site. See this new story and look in the list of domains.

        Steve

      • July

        If Alfred and Phil were smart, they would’ve paid their employees. That way they wouldn’t be on here ratting them out! Employees who were ripped off would like to see the 2 of them sued, bank accounts levied, and their money taken from them!!!
        Which may happen, wink wink:)

      • Juy

        Yap……..yap……..yap!

  • ken

    Fraud your venue is in the county inwhich your house/mod was contracted with when you signed with liberty law?

    • Dwight

      Just drove by Liberty’s office on Guasti Road. Looks like the posts on this thread about Liberty closing up shop and being re-incarnated at a different location with a new identity were true as the office is completely vacant. Need to figure out quickly were they wind up and the name of the new business and post it here so that people googling the new company find this board and do not fall victim to these people

      • http://GetOutOfDebt.org Steve Rhode

        Thanks for the update. Keep us posted.

        Steve

  • Fraud

    Hi Steve,

    I filed a small claims case in San Bernadino County. I am confident the evidence I have will allow me to win my case. I would suggest to people in the same situation to keep track of phone records (I used my cellphone only with them) and contact the mortgage company for a record of all calls and faxes made to them. I found that I was the only one who ever contacted and faxed anything to them. A complete breach of contract. I have also been able to use many of links that people have left on your blog to assist in my case. So thank you all and thank you Steve. I will let you know the outcome.

    Thanks!

  • Mike

    I am getting ready to sue these guys in small claims. I was fleeced.

    • http://GetOutOfDebt.org Steve Rhode

      Mike,

      I’m sure readers would be interested in what happens. Please keep us posted.

      Steve

    • Theresa

      Mike,
      Make sure you give the BBB a call. What they told me about Liberty Law was interesting. According to them the were suppose to be closing down as of Dec 2009 and going out of business. They left the BBB an email and a phone number to forward any complaints to for future reference. This company is not governed by anyone. They have no one to answer too. I did get to talk to a customer service person at Liberty, who was recently hired, I will not mention her name since she seemed nice and with the way the job situation is in CA I do not wish ill will to come of her. Her and I had a discussion about my account and she was truly nothing more then trying to collect money from me. She had never met Brian and didn’t even know his name. She wasn’t even sure if there were any other lawyers in the office. She had only worked there for two months. She did confirm for me that most the people, if not all that had worked on my file were no longer working for Liberty. Interesting, I think so. Good luck Mike.

    • ken

      According to Nolo press Cal. Civ. Proc. Code § 312 et seq. states the Statutes of Limitations for a written contract is 4 years. As per Nolo – For a successful business, especially one that receives cash directly from customers, you can authorize your local sheriff or marshal to collect your judgment right out of the cash register. And in many states, if you are suing a contractor or other businessperson with a state license, you can apply to have the license suspended until the judgment is paid.

    • Fraud

      Hi…did you file yet? I would like your case number if possible it will assist in my case and I can you give you mine.

      • ken

        no, I have a question about the venue. but will keep you posted. Let me know how yours is going.

      • Fraud

        You have to file where the transaction happened or the business is located. If you went to their office in Ontario you have to file at the Rancho Cucamonga court. You can fill out the documents online print 2 copies and take them to the court. I paid $995.00 so the court cost is $30.00 and is included as part of your claim. My case is July 26th.

    • Mike

      Well, it appears that LL on Guasti has vanished or been reborn or something. It think I will just file and send the process server down to Mr. Colombana’s offices in Orange County. I cannot really even find who was the owner. Was it Brian or is he just the attorney of record? Not sure how this will turn out but I might as well give it a try. I don’t even really need the money, I’m just ticked off that I fell for this scam. I think I may go down the Law Offices of Brian J Colombana and introduce myself. If anyone has any info that would help me, I would appreciate it if you would post it. Thanks.

      • Ivy

        Mike,

        My information is that the owner of Liberty Law is Thomas Duong. Brian is just the attorney of record….and apparently soon to be disbarred.

      • July

        The owner of Liberty Law Firm in Ontario was Alfred Clausen and Phil(Filibert Apodaca)

      • Dennis

        I just got back from their “Processing Office” in Monte Vista and there was a sign there that Liberty Firm has ceased operation. I paid $1995.00 last february 2010. I’ll check with my lender what Liberty Law Firm has done for me. If they did something, I’ll post how they helped me, if they did not do anything, I wish all of them short life and agony…

  • Ivy

    I notice that Brian isn’t answering any posts on here. I’m curious if anyone knows if a class action has been filed yet?

  • Cynthia

    Brian makes it sound like the bar isn’t going to do anything. Is that true Steve?

  • June

    Wow! Im dying to know which employee wrote this. I am a former employee and this cracks me up that you got so ballsy!!! Although they don’t scam the clients with the upfront mods, they scam the employees by not paying them, lol.

    • Theresa

      So…where is all the money going that that we are paying for this “service” going if not to pay for the employees? That’s really funny.

      • Angie

        I was sitting in Phil’s office with Alfred discussing my commission when Phil printed and signed a company check to pay for the Versace suits that he and Alfred bought from the tailor that was dropping them off at the office. AND I heard Phil and Alfred discussing using company money to buy there new cars. I quit soon after the suits. I can’t work for a place like that. I know most people that are there don’t want to either, theres just no work anywhere

  • Fred

    Regardless of what happens to the attorney, the two other owners of Liberty Law (Alfred and Filbert – aka Phil)will be moving a large portion of the company in the next few weeks to a new location with a new name and start the same thing all over again. Same tricks, same scams, embezzeling the same way and taking their mistresses Blanca and Chelsey with them to help them run the company. So, I do hope you’re able to follow them when they move Steve!

    • Dwight

      That is par for the course with Phil and Alfred – run huge advertising campaigns, generate a ton of business and then take off leaving, literally, tens of thousands dollars of advertising unpaid. If you have any more information regarding these two, do tell (please).

      • Fred

        Right you are Dwight! Didn’t you know? The company they did pay advertising to is also an owner of Allstate Financial – the parent company to Liberty Law Firm. Ya, I think the State Department needs to run through that entire place. They short-paid employees on commission all the time and when you quit, good luck getting any money at all. Work you like a dog, treat you like dirt but call you an independent contractor so you can’t get unemployment. Dirty game they play.

      • Dwight

        Just heard that the new operation for Liberty Law is packing up as we speak (or type) and will soon be transplanted just down the road in Corona. Same people, same tactics, no on the spot mods just telephone pre-quals.

        Fred, do you know the name for the “new” business?? We need to get that info into this thread so we can protect unsuspecting consumers from getting scammed.

      • http://GetOutOfDebt.org Steve Rhode

        Let me know as soon as you hear the new name.

        Steve

      • July

        Brian Columbana says that former employees are collecting unemployment from him! Read this blog and go file!!!

  • Chip

    Wow, just found this site. I too have been had by Noah Savings and Liberty Law.
    Paid them $1500. to start on Nov. 6,09. Terrable communication, lyed to me on many things. Did not submit my mod to B of A until March 22,10. It went into forclosure in January and is due to be sold on the 28th of this mounth. I’m scared to death.

    Chip

  • Dwight

    Anyone attend and/or know the outcome of Colombana’s disciplinary hearing before the State Bar Court this morning? I tried calling the court this afternoon but was informed that it was too early to tell what happened.

    • http://GetOutOfDebt.org Steve Rhode

      I don’t know but Brian has been very talkative here recently, maybe he’ll share. :-)

      Steve

      • http://yahoo Barbara

        Hi Steve…
        I just called Liberty Law Firm again. I got the same recorded run around as the times before. Doesn’t make any difference what time of day, it’s the same. I did get a letter the other day from Noah Savings, saying that my modifcation was complete. I sent it on. I called the numbers listed on the letter head and guess what… they were both non-working numbers SURPRISE!!! Other than Brain calling me a liar nothing is new

        Thank you again for all you and all the others are doing. I’m glad to know I’m not alone.

      • Theresa

        Barbara,
        Calling them is useless. And when they do call you and you try to talk to them then moment you mention any disatisfaction in their service they hang up on you. Brian, you are a bad manager is really what it comes down too. you have poorly trained employees who over promise and underdeliver. I work in a services industry and I would rather under promise then a customer something then over promise them something. It bad business. And that’s really what happened in my case. Poorly trained people. When I talked to the BBB in New York about you company they stated that as of Dec. 2009 you were shuting down the business, why didn’t you? Do you have a high turnover? Are employees stealing from you?? Cause if you’re saying that your not the problem then who is? Your company got a $1000 out of me already and tried to get another $2000 without contacting me and when I went to contact your company about it there was no one to talk to. It’s so interesting to me that the person that was working on my account didn’t even know I had a modification. She found out from me. So Brian, based on all I have read here, I believe you to be a poor manager, and in a way I feel sorry for you. You are letting your business run you and not running you business. I wonder have any of your clients identies been stolen? I faxed all my info to you company whose to say what kind of people you hire. I don’t think any of the people that worked on my case are even employeed with you any longer. I’ve been in fear of that now since I’ve been on this website. Good luck.

      • Brian Colombana

        Hi Steve,

        I believe the hearing went in my favor. The hearing is not regarding disciplinary charges, it’s regarding an application for involuntary inactive enrollment pending a hearing on the disciplinary charges. The judge takes these kind of matters under submission and usually waits a few weeks to make a decision. I notice that on here you have some upset clients and some upset people who weren’t my clients, but when I’ve taken over 5,000 clients over the last two years, some complaints are inevitable. For every one person that complains, I have 100 others that are satisfied.

      • http://yahoo Barbara

        Brain..
        Lets hear from some of your satisfied customers, ones that had a modification done in the last year. Nothing else just modifications…
        Barbara

      • oh ya?!

        Really? “For every one person that complains, I have 100 others that are satisfied” ? Really? I worked there for several months; he’s full of crap. For every ONE that was satisfied, 100s have complained and management wouldn’t do anything to get the people help. The entire staff keeps getting calls from customers to help and no one would let us help these people. We didn’t know how to modify loans we just sold them the service. We would get all these phone calls and when we tried to help our customers and get them answers even we couldn’t get answers.

      • Dwight

        Steve, looks like the State Bar is actually taking action against Brian, effective June 20, 2010 according to his updated bar profile:

        http://members.calbar.ca.gov/search/member_detail.aspx?x=238272

        Even though Colombana might be out of commission for a while, as the other posts on this board acknowledge, Liberty Law was more a product of Alfred Clausen and Filbert (Phil) Apodaca than anything else. Hopefully this thread will remained updated (and relevant in search results) for whatever the reincarnation of Liberty happens. Thank you Steve for your work with this blog

  • Ken

    Hi, I’ve been doing business with a company called Noah Savings and was happy with a mod they had done for me in the past. I am currently working with them (actually I’m doing the work) and they are now affiliated with Liberty Law. My connection at Noah Savings is a person named Thomas Doung. I spoke to Thomas about 3 weeks ago and mentioned this site. He said he was not affiliated with them and that he was actually trying to disassociate his dealing with Liberty Law. Checking on addresses from an email and the one listed on this site are one in the same. Any phone calls I have recieved are listed as “unavailable no.” Does or have anyone run into this senirio. Noah Savings corporate address is 65 Enterprise, Irvine, ca, 92656. R.E.#-01524802. They also have another office at 65 Enterprise, Aliso Viejo, CA 92656.

    • http://yahoo Barbara

      Hi Ken,

      Join the crowd……. Sorry you are one of them

  • http://yahoo/internetexplorer Barbara Butler

    Jane..
    Thank you for the heads-up. I too have filed but now I’m on too the Ca. Bar..
    Oh Brain boy is in for a rude awakening … Ihope.
    Thanks again.. I’m watching this site everynight.

    • Brian Colombana

      Barbara,

      It’s because of people like you that the State Bar is going to look ridiculous at my hearing. They already lost on the first motion I filed with the Court. You are filing complaints against someone you never entered into an agreement with, someone whom you never paid, and someone who only donated hours of his employee’s time to help you out.

      You need to call the Oregon Attorney General’s Office where you filed the Complaint, talk to them about their recent findings, and then come back and update your post. My company and I deserve an accurate record.

      • http://GetOutOfDebt.org Steve Rhode

        Brian,

        So are you saying that it is your policy never charge any consumer for any loan modification work for any reason prior to a successful permanent loan modification being obtained from a mortgage company?

        What exactly is your refund policy?

        Steve

      • Theresa

        Steve,
        Those are great questions that I would like to know the answers to as well. He seems to have a lot of time on his hands of he’s on here responding to us and not running his business. Oh wait, no one can get a hold of his business, sorry, I forgot..

      • Brian Colombana

        Hi Steve,

        No, with Liberty Law Firm, our work is broken up in phases. It could take months before a final modification is complete and that often depends on the timeliness of the borrower’s payments during their trial period, a variable that is out of our control. We charge once we’ve fully completed a certain scope of work. As the payment is for services already rendered, there is no refund.

        For Theresa, I believe responding to these questions and comments is part of my business.

      • http://GetOutOfDebt.org Steve Rhode

        Brian,

        How do you square any fee for service before a permanent modification is approved with the warning from the California Attorney General?

        Q; Should I hire a foreclosure consultant to help me negotiate with my lender or loan servicer?
        A: It is unlawful for anyone–including attorneys and real estate brokers–to charge an advance fee for modifying your loan. Loan modification firms must tell potential clients they can get the same services for free from government-approved nonprofit mortgage counselors. The firms cannot receive payment until they have performed all services promised in a contract with the borrower. – Source

        What is your fee schedule then and what services are you collecting non-refundable money for if not for loan modification work?

        Steve

      • John

        WOW Brian..I have never heard of and been the victim of such an unethical legal practice. I have paid in full for your service and have received nothing..I have your letter head contract. “paid in full”. Bank Account Number where the deposit was made, I have several emails from your employees “Gene and Glen Malone” and “Jean Wong” stating that they work for you. They also state that you have now opened a new business “The Legal Auditors of America”..I hope your license gets terminated and I am called to show my evidence against your practice and unethical employees.

      • http://yahoo Barbara

        Brain…
        You have alot of backbone. Come on this site and lie your way through. Must be nice to have so much time on your hands, yea! thats right you don’t have to work anymore(at least for awhile). If your company is on the up and up, why don’t you respond to all of us and others with sometimes positive instead of calling me and others liars. It’s because you can’t or won’t. You seem to think that we are stupid. If it were only me you might have a case but WOW look at all the complaints and my my are the simalar.. I will call the Oregon Attorney General, my guess is that I’m still right and your very very wrong

      • Brian Colombana

        Hi Barbara,

        My post was directed at you, not anyone else. You did not pay me or my company a dime. I worked on your case for free; a charitable act that I now regret. Go through your initial paperwork and let us all know who you signed an agreement with and who you paid.

      • http://yahoo BArbara

        Brain..
        If you and your company are so great, why is it Will Jackson, one of your employees,said your modification payment will be $1149 and some odd cents. So when the 3 month trial started my mortgage company sent payments (trail mod) due of $1477. So you tell me who lied to who. So by may book, your company did nothing but jack me around and take my money. Deny it,, Will, Brittany, Jennifer and others all did their work for free, man thats nice of them. I find it real hard to believe that you would do anything for free.

      • Marcia

        According to this article, the bar hearing doesn’t sound ANYTHING like how Brian C. makes it sound:

        http://mortgage.ocregister.com/2010/06/18/bar-goes-after-o-c-loan-mod-lawyer/33171/

      • http://GetOutOfDebt.org Steve Rhode

        I’m not really surprised.

        I think this section of that story sums it up.

        “In most cases, clients never even met the attorney but dealt with non-attorney representatives of the loan modification companies. Through the companies, Colombana ‘convinced numerous cash-strapped homeowners to pay him thousands of dollars in hopes of saving their homes from foreclosure,’ Honn wrote. ‘. . . Many of these homeowners were worse off after retaining respondent’s services.’

      • http://GetOutOfDebt.org Steve Rhode

        From the article:

        An Orange County lawyer who signed retainer agreements with homeowners facing foreclosure but then “did little or nothing to help them” was placed on involuntary inactive enrollment, the State Bar of California announced.

        The Bar cited complaints from clients in 8 states against lawyer Brian Colombana, 29, of Lake Forest.
        “The Chief Trial Counsel’s office continues to send the message that attorneys guilty of misconduct – especially toward homeowners who are at their most vulnerable when facing the loss of their homes – will be prosecuted and disciplined,” Interim Chief Trial Counsel Russell Weiner said.

        From the Bar:
        “State Bar Court Judge Richard Honn said in his June 17 ruling that the conduct of Brian Colombana … “poses a substantial threat of harm to his clients or the public.” Honn cited 13 declarations against Colombana by clients from California, South Carolina, Minnesota, Nevada, New Mexico, Maryland, Utah and New York who paid upfront fees to one of the loan modification companies with which Colombana was affiliated, including Loan Negotiators of America, Housing Law Center and Mortgage Law Center.

        “In most cases, clients never even met the attorney but dealt with non-attorney representatives of the loan modification companies. Through the companies, Colombana ‘convinced numerous cash-strapped homeowners to pay him thousands of dollars in hopes of saving their homes from foreclosure,’ Honn wrote. ‘. . . Many of these homeowners were worse off after retaining respondent’s services.’

        “The judge noted that many of the homeowners were current with their mortgages but then were advised by Colombana’s affiliates to stop paying. “Soon these clients were behind on their mortgage payments and facing foreclosure, and [Colombana] wasn’t there to help,” Honn wrote.

        “In ordering involuntary inactive enrollment, Honn said Colombana continues to harm clients by failing to refund unearned fees or communicate with them and demonstrates a pattern of behavior likely to continue to cause substantial harm.”

        The action against Columbana stems from efforts by the State Bar’s Task Force on Loan Modification to stop lawyers who ”exploit the vulnerabilities of frightened homeowners who face foreclosure by promising services that are never delivered,” the Bar says.

        Since the task force was created last April, seven involuntary enrollments have been ordered and 13 resignations obtained from lawyers who engaged in misconduct related to loan modifications. The Bar says there are 5 loan modification trials pending and 2,000 active investigations.

  • Theresa

    I too was both helped and taken by this “law firm.” I had already given them $1000 and was told that once the completed their end of getting me my loan mod I was to get them another $1000 for their services. Which I now know I could have done myself. They had me lie about my income and then yesterday they tried to take $2000 out of my bank account without any notice. When I call or email I get a fast busy or some funny message. I live in New York state and plan on calling the district attorney on Monday and seeing what recourse I have. To top it off there wasn’t $2000 in my bank for them to get so all they did was bounce my account for the weekend and make me have to close that account out on Monday too

    • Theresa

      Ok, I contacted NY state today and they are sending me the forms I need to file a complaint against this company. It’s funny I was looking throught all the papers and they said they would get my mortage down to $500 a month for me. It’s no where near that. I’ve tried to call several numbers I have for them today and none of them appear top be in service any more. I haven’t tried to email anyone, but based on what I’m reading on this site I would say that’s a bad idea too. My bank was super cool about the whole thing. They even pointed out on the “check” the customer service phone number was slash marks and not real numbers. After reading all this I think they were cleaning up shop and I was “unfinished” business and they went into my account did what they did. I hope this people get caught and put in jail and that the good people who lost money get their money back.

      • Theresa

        They did it again.. Ugghhh.. Off I go to the bank.. They tried to take what little money I have in a closed account…Ughhh… Evil people…

      • Theresa

        Just a follow up to my followup…I actually started to speak to someone today who claimed they were from Liberty Law and as soon as I mentioned the Better Business Bureau and the New York State Attorney Generals office, he hung up on me. The phone call started very pleasant and I informed him that my loan modification wasn’t done and that my mortage company needed more paper work from me and that from here on out I would be doing it on my own and that there services would no longer would be needed since they felt they had already done their job. I think at first he wanted to further help me with the modication process, but since they have tried to take money with out my knowledge twice in the last month then I will no longer deal with them. I plan on calling the Better Business Buearu tomorrow and see what’s going on with this whole thing.

      • http://GetOutOfDebt.org Steve Rhode

        Theresa,

        Post an update and let us know what happens.

        Steve

      • Theresa

        First, I want to say how sorry I am about my poor spelling in my post. : ) I just got off the phone with the BBB in CA and they informed me that Liberty Law Firm is NOT a member and hasn’t been one since Dec 2009. It was actually the BBB in NY that told me they were not a member of the BBB since December and that they had sent a email too them telling them (the BBB) where to direct any issues too. In the email they stated that they were going out of business. Therefore the only recourse any person has in this situation is to contact the attorney generals office of either their state or the state of California, because the BBB has no control over this group and can not do anything to regulate them.

      • Brian Colombana

        Theresa,

        Our billing department runs ACH payments according to the payment schedule you agreed to and pursuant to an ACH authorization form that you signed. So it appears that you have not lived up to the payment schedule you agreed to. If you think I’m wrong and you’d like me to look into it, shoot me an email and I will. However, my billing department does not spontaneously make up payment amounts and run them whenever they feel like it. We go according to the agreement you signed. Again if I’m wrong, please let me know.

      • Theresa

        I guess they do cause they did. And no where on my contract is a set time for payment. I had a phone call from one of your customer service people and he hung up on me. You already have $1000 from me and I am now told by my mortage company that they require more from me. On top of all that your company and this is the kick, I actually find this part funny,want me to pay you $199 a month to watch my mortage for me. I have gone to my bank and they have printed for me the three transactions that your company made and along with that and copy of the contract that states your company can get me a mod for $500 a month it’s all going to the New York attorney generals office since your company is no longer a member of the BBB and is not govern or overseen by anyone. Oh and good luck tomorrow.

  • Amy

    I run a lead generation company and I referred at least 9 clients to Brian Colobana. He has not done a single modification on behalf of any of those clients. out of those 9 clients 4 have already lost their homes and 5 asking for refunds as nothing has happened for a year now. I will bring all clients together and file a complain against Colobana. Please let me know if anyone who would like to join and file together. Each of my client paid $3495 up front to do their loan modified.

  • Ivy

    I was “working” with this law firm to help modify my mortgage. I am also out nearly $3,000. They seems to have closed up shop. I was able to get one person to answer the phone over a week ago, but now they all are busy or go to voice mail. So, what’s Brian Colobana’s response to that?

    • Brian Colombana

      Did you go to the firm website? All the contact information is on there. Actually, the Housing Law Center phone numbers are no longer in service but the email is still good. For files in processing, email is always better than calling. Thanks.

      • Ivy

        Actually I did go to the firm website. I’ve sent emails with no response. In fact, Mr. Colombana, I have sent YOU emails and have left messages on your voice mail. Funny, how you don’t return those.

        If your phone numbers are no longer active, why isn’t your firm contacting clients and letting them know what’s going on? We’re supposed to know that your phones are out, but you’re still working for us? Frankly, that’s BS and you know it. You don’t have any intention of returning calls or emails. My contract says all phone calls will be answered within twenty four hours. Seeing as how I haven’t heard from anyone since May 10, 2010 shows me that you’re just taking people’s money.

        I have been in contact with my lender, seems they’ve not been approached by anyone from Liberty Law Firm. Not surprised at all to hear that.

      • Brian Colombana

        Where did you send the emails? I haven’t received anything from you. What email did you send it to?

      • Ivy

        OK, Mr. Colombana, I’ll bite. You didn’t receive any emails from me? Exactly what sender’s address would you have been looking for, as I certainly didn’t include my email address in any of my posts.

        Let’s try this. Why don’t you post the correct email address and phone numbers that can make getting in touch with you actually happen……….

  • Kim

    I had a loan mod. done by one of Mr. Colombana’s firms, Housing Law Center, which is no longer. After they “reviewed my details” i paid them $3,100.00 to submit a loan modification to my mortgage company. That’s all they did – NOTHING ELSE! I have tried contacting them several times. The last time I heard from Mr. Colombana was over 4 months ago. My mortgage company representative that I have been working with informed me that I have been in touch with them more than his office has. He took my money and did NOTHING. Now I am working with the mortgage company..and trying to save up the additional funds to pay my mortgage…that $3,100.00 would’ve really come in handy!

    • Brian Colombana

      “Took your money and did nothing”? Didn’t you just acknowledge sentences earlier that your entire loan modification application was prepared and submitted by us. That’s all your lender needs to approve you for a modification. There’s nothing we can add in a follow up phone call that is not already in the package.

      • Fraud

        Hey Brian if your business is so legitimate why didn’t YOUR COMPANY show up at small claims court? hmmmm the judge shredded your contract within minutes…we will collect!

  • Amanda

    I am so upset!!! My husband used these guys and now our home is going to be foreclosed on!! We have 4 children and he (my husband) is the only one working. Now its too late and our mortgage co won’t work with us for payment arrangements and I don’t know what to do! Can someone please give me some advice or something

    Amanda

  • http://LibertyLawFirmcomplaints/SteveRhode Barbara

    Hi Steve,
    I am another one of Brians Victims.. Started August of 2009 and came to a crashing halt May 2010. I’m out $3500 and BAC is offering a so called modification $6 less than the original payment. I can’t believe I was so stupid, kinda late now. Somehow he and Liberty Law Firm need to be stopped and the money returned to the people. (haha) I have numbers and different agencies I will be contacting to file complaints. I pray through you and others like you, you find a way to stop this
    Thank You
    Barbara

    • Amanda

      Barbara,

      That is exactly when we started our modifications and got us for the same amount of money. Now they have contacted my husband because we have been trying to get a hold of Will Jackson, the guy that was supposed to be working on our modification. Well they have given us a new number 1-866-630-0023 for liberty law firm to talk to “Bertha” because they (Housing law Center) is no longer doing modifications. I am just amazed that they are going to try and get us for more money!!! Please someone has got to stop these people!!! I being a christian woman just do not understand how people can take advantage of others in a time of need. I mean these are peoples families!!! God will have his revenge and I know that somehow he is going to take care of his own if we have trust in him.

      • http://GetOutOfDebt.org Steve Rhode

        Amanda,

        I think if you read this article I recently wrote it will help you to understand the $3,500 program and what has happened to Liberty Law.

        Steve

    • Brian Colombana

      Barbara,

      Check your agreement. You never signed up with Liberty Law or paid Liberty Law any money. You are lying. Your complaint to the Oregon Attorney General’s Office against me has already been dismissed. What actually happened is you paid a company that went out of business. I offered to finish your modification at no charge. Liberty Law got you approved for a modification and all you can do is complain about only saving $6?

  • The Raven

    I’ve watched alot of the interesting comments and information given here for a while on Liberty Law Firm. I would like to share some light on any questions you might have on what we exactly do for clients without a need to protect anyone in the process, including myself. I want to help you and those to get more information to be informed, not assumptions of the truth and speculation of various bits of possible connections of the dealings with Mr. Colombana. I speak from my obligations of the people who come for real help. So ask me anything and if I know the answer, or can get the answers you seek I will help.

    The Raven

    • joker

      get a live THE RAVEN A.K.A Lori

      • The RAVEN

        That lady that worked on Joeys team? Nope, sorry not me, but how does this AKA Lori thing have to do with whats going on in here now that we know you worked at Liberty Law as well?

      • Michael Carlson

        LMFAO!!!!!!!

        “The Raven”,

        First of all why are you afraid to use your real name? And second of all, are you actually going to defend that place at that late date?

        C’mon!! That place had no intention of doing honest work at that late date. I worked there through the end of May (my best judgement was to leave in April), despite seeing ALL the writing on the wall. Say what you want, but the place was coming apart long before June, 25. You must be one of Alfred or Phil’s little minions. Good luck playing for that team!

  • Al Clausen
    • http://GetOutOfDebt.org Steve Rhode

      Al,

      Thanks for the heads up. I knew they were working on it because they contacted me and said they had used some of the information from my report for their story.

      Steve

      • JuanBen

        Thanks Steve. Keep up the good work.

        Another of Brian Colombana’s tricks. He used this web page whttp://bailout.hud-gov.us, in which he pretended to be associated with the U.S. government.

        Later on, a federal district court granted the FTC’s motion for restraining order to immediately remove it from the Internet.
        The reason was he marketed his “services” by giving the false impression he was affiliated with the federal government.

        The news came too late for me. I was already entangled by his web having paid $2,990.

        Juan

      • Brian Colombana

        That was never my website. Check the registration on the domain. It belonged to a lead generation company. I was dismissed from the FTC Complaint immediately when they realized the mistake.

  • Jason

    On May 2009 I pay $2,880 to Mortgage Relief Law Center for law office of Brian J. Colombana to do Loan modification with B of A. On Jan. 2010 B of A call me said my loan modification was not qualify. I try to call law office to ask for refund with no answer.

    Hi Steve, Can you the law office of Brian J. Colombana address, phone number and E-mail ? Thank you for help!

    Jason

    • http://GetOutOfDebt.org Steve Rhode

      Jason,

      According to the California Bar Association it is:

      Law Offices of Brian J. Colombana
      22600 Lambert St Ste 908C
      Lake Forest, CA 92630

      Phone: (323) 447-3116
      Fax: (714) 880-3228
      Email: bcolombana[at]gmail.com

      Steve

      • Chris

        I tried to call and e-mailed that email address nothing.

  • Mark Wilson

    Hey Steve… Thought you might like to see their craigslist advertisement: [email protected]
    http://inlandempire.craigslist.org/fns/1700626988.html

    Our law firm offers $995 loan modifications, to be submitted to your lender right in front of you! If you get pre-approved by your lender, you pay only $995. We help you through the process until everything is complete. What you learn from us, will help you help your family, friends and co-workers get their modifications also! Please call me, Chrystie Muncy on my direct line at 909-235-7229 to schedule your appointment. Liberty Law Firm 3105 Guasti Rd Ontario.

  • Mark Wilson

    Hey Steve! What does this case mean for Brian?
    http://apps.statebarcourt.ca.gov/calendar/detailview.aspx?y=10&id=8604

    • http://GetOutOfDebt.org Steve Rhode

      Mark,

      Hum, interesting.

      Since Brian is following these comments, let’s ask him. Hey Brian, what’s up with the hearing?

      Steve

  • http://Website Mark Wilson

    Wow! This property: 5445 Oneida Court # 154, Chino, California 91710
    http://www.trulia.com/property/3007961609-5445-Oneida-Ct-154-Chino-CA-91710
    list Brian Colombana as the agent, being sold under Optimus Real Estate. But the property tax collector has it owned by someone other than him so it’s not like he’s selling his own place. Something sounds really fishing and it looks like he might have messed up on keeping it quiet by posting this. Steve, I think you might be really really onto something here. I hope you’re a good detective because this could get really interesting. Please keep up the good work!

    • Brian Colombana

      Huh? I’m the listing agent. Someone else owns the property. That’s what listing agents do; they sell other people’s property.

  • http://Website Mark Wilson

    Wow! That owner Filbert Apodaca used to own Amstar Mortgage and Signature Lending at 909-466-4600. Just google that phone number and watch all the info that comes up… All leading back to Liberty Law Firm’s location address! Can you do modifications AND home loans?

  • http://Website Brian Colombana

    Hi Steve,

    I looked into that and found what you’re referring to. I hired several people that used to work for American Financial Modifications and they thought their reputation was such that it would help to put it on one of our websites. I also find it confusing so I’ll ask that it be removed.

    Regarding the Attorney General’s new laws mandating registration of foreclosure consultants, they only apply to foreclosure consultants. Attorneys licensed to practice law are exempt from the definition of foreclosure consultant. See California Civil Code Section 2945.1(b)(1).

    I’m not aware of a Liberty Law Firm, LLC. We are Liberty Law Firm, Inc.

    I saw your post and there was a couple of things I wanted to comment on. My real estate companies have nothing to do with Liberty Law Firm, Inc. They were never shut down by the State of California. See http://www2.dre.ca.gov/PublicASP/pplinfo.asp?License_id=01791351. Colombana Financial, Inc. is still active, licensed, and in good standing with the Department of Real Estate. I had a mortgage company (Fast Pace Funding) with dual licensing under the Department of Real Estate and the Department of Corporations. When the mortgage market went south, I let my licensing under the Department of Corporations expire. I simply didn’t renew for the next year because I didn’t need to. There was no investigation, no administrative proceedings, just a notice because I failed to renew.

    I also see that you read into my company, Housing Law Center. I am well aware of the 20 or 30 clients who were upset with our services and proceeded to defame me all over the internet. Keep in mind that this is a small fraction of our clientele. We did get investigated and we did show the work we did. I had one government official tell me that he was impressed with the amount of work we devoted to each of our files. He had never seen a company that devoted as much time and effort to each of our files. Apparently these clients didn’t feel the same way. New Mexico did ask that I refrain from taking any clients in their state. No fines, no investigations, no proceedings; it was a simple letter. That’s it.

    If you have any questions, please do not hesitate to contact me.

    Best regards,
    Brian Colombana

    • http://GetOutOfDebt.org Steve Rhode

      Brian,

      Thanks for the update.

      It’s your own site that says Liberty Law Firm, LLC on the front page. “Liberty Law Firm LLC, is the nation’s leading Loan Modification and Loss Mitigation Company.”

      Why does the State report the corporate status of Colombana Financial, Inc as suspended?

      Steve

      • Brian Colombana

        They are reporting it suspended because I never filed a tax return for 2006. I started the company on 12/15/2006 and never did any business until 2007 (no tax owed). My 2007 through 2009 tax returns were all filed. I already filed the blank return so it should be active again soon.

      • oh ya?!

        hey steve good catch. Brian can’t keep his lies straight.

      • Neetstark

        Ya, I would like to recieve the 3500.00 dollars that he robbed us on in our “loan modification”!

  • http://Website Amazed

    I know the owners of the company are Brian the lawyer, Filbert Apodaca, Paul Hauger, Alfred Clausen and his girlfriend Blanca Villalobos who used to have the company debt solutions at that same location. None of them are lawyers they were used car sales people and some still are realty people. I thought that was illegal.

    • Brian Colombana

      Amazed,

      I’m amazed at the misinformation you’ve received. If you check with the Secretary of State, you’ll see that I am the only owner of Liberty Law Firm. The others you mentioned are employees of Liberty Law Firm, nothing more.

      • oh ya?!

        Nope. They are not. They say they are owners and they signed my commission checks. Again nice try doesn’t matter how you twist the paperwork.

  • http://Website Just Me

    Has no one reported this operation to [email protected] The FBI white collar crime unit? If the state bar isn’t going to do something about this, someone has to! They don’t protect people’s personal information (just check their dumpster), they don’t protect people trying to get help (because they rarely help) and they should see the cars the owners drive (some shady stuff going on around there!). I know tons about this company and someone really needs to investigate everything in it. They should have the state start pulling all their files and computers. Apparently someone in the bar association is asleep at the wheel as far as this company is concerned. A lot of complains have gone to the bar and nothing is being done.

    • Brian Colombana

      The cars these owners drive? I drive a 5 year old Mazda. What is that supposed to say about me? How is that relevant to anything? We have secure servers and shred personal information. The State Bar is doing something. They are trying to suspend me. It’s going to be difficult for them to do anything because people like Barbara on here sign up with a completely different company, accept my free services, accept the modification that brings her out of foreclosure and saves her $6 per month, and then files a complaint against a company that she never paid. What is the State Bar supposed to do about that?

      Just wondering, did anyone read the “Disclaimer of Guarantee” in their agreement? I even started highlighting it in red. I only ask because ever person who doesn’t get approved complains that they deserve a refund. This may be obvious but is worth repeating: when you pay an attorney, you are paying for representation to get a modification, not an actual modification. No one can sell you that.

      • fraud

        Brian,

        How about the lies you tell. One of your employees left a message that American Mortgage Company was still working on my modification and my Loan isn’t with them. AND I have a copy of all the communication you allegedly had with my mortgage company which amounts to zero! Filed a small claims today…see you in court!!

      • More Aware

        “They are trying to suspend me. It’s going to be difficult for them to do anything…”

        I believe they did succeeded in suspending you. =)

      • Cat

        Why does your radio commercial say something along the words of “get a loan modification or pay nothing” ?!

      • Lowell Jr.

        Brian,
        I heard that when the Montclair office closed a couple of weeks ago that you picked up all of the client files. Is this true? Our loan modification application was sent to Bank of America as we expected in early June, and the sale date was successfully postponed 3 times by our processor, the most recent to August 10. I believe that Bank of America is very close to finalizing our Loan Modification, but since Liberty Law Firm was acting on our behalf, I understand that we are supposed to have someone from LLF help us to complete the paperwork when they send it to us in a few days. Now that nobody is left from Liberty Law Firm, and since it appears that you have our file, what do we do now when Bank of America sends us the Loan Modification paperwork? Can we get our file back from you (I presume there is information in there that we may need to fill out the paperwork coming from Bank of America)? We appreciated the way that Liberty Law Firm was working for us right up until Crystal e-mailed me that the office in Ontario was closed, and then two weeks later her office was closed too. It sounds like many of your clients didn’t fare as well as we did, but now we’re in the same sunk boat with everyone else – We just hope that Bank of America will finish what Liberty Law Firm successfully started.

  • http://Website Mary Jones

    Brian Colombana got a ceast and desist from the Attorney general of New Mexico and got his CFL license revoked. He is not even licenses in New Mexico! What a joke this guy is. The Yutz on the phone told me that the Attorney does no work because there is no legal work needed.

    Why this Attorney is still able to scam clients is beyond me.

    • anonymous

      omg everyone on here needs to get a life. Since when does an attorney have to do a loan modification? how are you going to judge this place if you’ve never had anything done there before? if you go there, and they don’t modify your loan… then complain. as for the rest of the part who have nothing better to do. get a life. and leave this firm alone. they did a great job on my modification. THANKS.

      • chuck

        Hey, can you send me a copy of your completed modification? Also, please feel free to block out your name and address to make you feel more comfortable.

      • ANN

        YEAH RIGHT….U R PROBABLY AN EMPLOYEE OR FORMER EMPLOYEE SPEAKING HIGHLY OF THE COMPANY THAT SCAMMED US OUTTA $$ AND I THOUGHT I DID MY HOMEWORK, EVEN THE PERSON HANDLING OUR CASE SEEMED LIKE A REAL HONEST GUY..IM SURE HE WAS IN ON IT, HOW DO U NOT KNOW WHAT UR BOSS IS UP TO??

      • San Diego

        Yes, there is a name for people like you. I’m sure you know exactly what I’m talking about. Bottom line you are a f… moron. By the way, I did go there and I was told I was approved on the spot. To make a long story short, they took my payment of $995.00 and I never heard from them again. So like I said if I were you I’s go stick your head where the sun doesn’t shine.

      • Neetstark

        The took 3500.00 dollars from me and never modified my loan nor did they give me any refund at all! I do have a life, but it would be much better if I had my 3500.00 dollars back!

    • Riverside

      Ok this guy is just a scam artist!!! My mom went in and tried to get a loan modification with this company, they took her money up front which I now know is illegal to do in California. This company has a letter grade of an “A” posted in his building which in actuallity it is an “F”. Brian Colombana which is the companies owner was disbarred in 06/2010 for “posing a substantial threat of harm to his clients.” I spoke to one of employees and he told me that most of the employees working at Liberty Law Firm are now working at JackLaw Group in Corona. He then went on to say that they are willing to continue to help my mom if she goes in and pays $1500.00 more up front. Wow they screwed her once and now they are trying it again!

      • http://GetOutOfDebt.org Steve Rhode

        BTW, Jacklaw Group is the offices of Jack Huang. “We are a Law Firm doing business with mortgage modifications, bankruptcies, divorce, personal injuries, and anything else besides criminal law. Our office is in Corona, but Jack C. Huang also has offices in Newport Beach and Westminster. Our office specialized in mortgage modifications.” – Source.

        Offices are at 200 S. Main St., Suite 300 Corona, CA 92882 and 3400 Irvine Ave. Suite 220, Newport Beach, CA 92660.

        Steve

      • http://GetOutOfDebt.org Steve Rhode

        I Contacted Jack Huang, the lawyer behind JackLaw and asked him the following questions.

        1. Is it true that you have hired employees from Liberty Law to do loan modifications?
        2. Do you charge any upfront fee for loan modification work?

        His response is below.

        Mr. Rhode,

        First of all, I am not in any shape or form associated with Liberty Law Firm.

        Secondly, I have not hire ex-employees of Liberty Law Firm.

        Finally, we do not charge up front fees. Our client only pay for legal services we provide. We do not guarantee the loan modifciation result and will never do. Our clients pay us for services rendered and we stand by our good records of getting our clients’ loan modfied.

        Please be reminded that even though you have constitutional rights to post comments but be careful of posting untrue statements.

        Thank you for your inquiry.

        Jack Huang

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