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US Mortgage Bailout – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.

US Mortgage Bailout   Scam, Complaint, Review, or Praise?
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Would You recommend US Mortgage Bailout to others?

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Update February 28, 2013

The site received the following error report on this post:

“My name being in it since this comes up in google search and I do not want future or present clients to find me. Worked 9 months for that company and in 15 years of life in mortgages and insurance I do not want unneeded bad press for my career.

Suggested fix: delete any mentions of my name.

Kyle Connell”

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  • Karen Shannon

    Was contacted by this company, Michael Green I believe was the man’s name, and after talking over my situation I sent the company $3500 to help me with my BofA loan. They took my money and then went out of business. How can we start a class action suit against these thieves?

  • MISHY PIZZA

    Anyone get arrested yet? I’m thinking so….

  • Fjolly

    Hey Ralbano or is it Ralfago, get a life!

  • Bustusmbheads

    STEVE RHODE YOU ARE NO HELP….ALL OF YOUR RECOMMENDATIONS HAVE FAILED…….IAN TAMER LIDEYS, BRIAN MICHAEL KANDEFER AND LAUREN KERR LAYTON ARE LAUGHING AT YOU AND AT US…..WE MUST BAND TOGETHER AND TAKE CARE OF BUSINESS

  • Bustusmbheads

    Thanks for the addresses,,,I have my plane tickets, , some big dudes and are going to personally pay each one of these bastards a visit…..To bad we cant post pictures on here on
    the results.

  • Mishy

    Jane, believe it or not, even though he has BofA, the worst of them ALL, after several months of going back and forth with the Hope Now people and BofA, he just made his first new mortgage payment this past February. He was really lucky to have gotten another job last August, and was in contact with BofA and his Hope Now guy constantly (I made sure of that). In one week he got 3 different letters, 2 accepting his modification with completely different amount workouts, and 1 saying he was denied. I believe his whole situation turned out this way mainly from ‘luck’ because they are just so large, corrupt and unorganized, it could have gone either way.

    About Hope being on the banks’ payroll, I was surprised also to find that out. It still never ceases to amaze me to find out just how corrupt our government is and there’s really nothing we can do to stop it. Power and money prevail unfortunately and because of that they are ALL ‘in bed together’.

    I’ve learned a lot through all this on a lot of different levels. Thank God for people like us all and Steve Rhodes because this world would be an even uglier place!
    Ian, Brian and Lauren (and the like cuz there are SO many of their type out there) are of the same species as our government: SCUM

  • Jane

    Mishy, How is your boyfriend’s loan Mod going? I do not think “hope” would help at all. They are on bank’s payroll

  • Fjolly

    Hey ralbano, eat shit asshole, I do have a life and I am not on the computer everyday of every hour,come say that to my face jackoff. Pretty tough words for a little shit head, take your agression out on someone else and get a life. Have a nice day in your hate filled life, moron.

  • Mishy

    My boyfriend just got the same exact letter today! Is that you hon?

  • Enraged

    I got a reply from the Districts attorneys office that says,” After reviewing your request for investigation, and in light of a number of other factors we have examined carefully, we have concluded that the facts indicate there is no basis for futher action by this office at this time. However a copy of your complaint will be sent to the Federal Bureau of Investigation which may elect to consider this matter further.” My complaint along with over 200 pages of evidence and phone records were sent to the Economic Crimes Division for Real Estate Fraud the Office of the District Attorney. How can there be no basis for futher action? I sent this in Oct. I really feel like we are all just screwed. What else do we do?

  • Enraged

    I got a reply from the Districts attorneys office that says,” After reviewing your request for investigation, and in light of a number of other factors we have examined carefully, we have concluded that the facts indicate there is no basis for futher action by this office at this time. However a copy of your complaint will be sent to the Federal Bureau of Investigation which may elect to consider this matter further.” My complaint along with over 200 pages of evidence and phone records were sent to the Economic Crimes Division for Real Estate Fraud the Office of the District Attorney. How can there be no basis for futher action? I sent this in Oct. I really feel like we are all just screwed. What else do we do?

    • Mishy

      My boyfriend just got the same exact letter today! Is that you hon?

      • Jane

        Mishy, How is your boyfriend’s loan Mod going? I do not think “hope” would help at all. They are on bank’s payroll

      • Mishy

        Jane, believe it or not, even though he has BofA, the worst of them ALL, after several months of going back and forth with the Hope Now people and BofA, he just made his first new mortgage payment this past February. He was really lucky to have gotten another job last August, and was in contact with BofA and his Hope Now guy constantly (I made sure of that). In one week he got 3 different letters, 2 accepting his modification with completely different amount workouts, and 1 saying he was denied. I believe his whole situation turned out this way mainly from ‘luck’ because they are just so large, corrupt and unorganized, it could have gone either way.

        About Hope being on the banks’ payroll, I was surprised also to find that out. It still never ceases to amaze me to find out just how corrupt our government is and there’s really nothing we can do to stop it. Power and money prevail unfortunately and because of that they are ALL ‘in bed together’.

        I’ve learned a lot through all this on a lot of different levels. Thank God for people like us all and Steve Rhodes because this world would be an even uglier place!
        Ian, Brian and Lauren (and the like cuz there are SO many of their type out there) are of the same species as our government: SCUM

      • Tamer

        So, what happened to this company?

  • Steve Rhode

    Contact your local court house and they should provide you with information for you to file a local small claims case.

  • Jackie

    Steve and Getevenwithusmb,
    How do you complain at the small claims court if you do not reside in California? I just got a letter from the real estate fraud/economic crimes division/office of the district attorney (all same ppl) that said “the facts indicate that there is no basis for further action by this office at this time…a copy of your complaint will be sent to the FBI which may elect to consider this matter further.” Has anyone else received a similar letter from the DA? So is there anything further I can do from Texas??

  • Ralbano

    Hey Fjolly,

    K2 Capital Management and US Mortgage Bailout are the same company moron. Its K2 Capital Management dba US Mortgage Bailout. Haven’t you read any of the posts here. Everybody knows that K2 Capital Management is US Mortgage Bailout. Get your facts straight. Great detective work though.

  • Fjolly

    I just did a GOOGLE search on K2 Capital Management and guess what names jump out at me, give up ? IAN KIDEYS and LAUREN LAYTON hmmm. Looks like they have a really good scam going, they have no remorse, they just keep on going and going, scamming and scamming, sucking the money, hope and peoples good faith from their victims. God tells us to forgive these people, not to seek revenge. I don’t want revenge, I want justice to be delt to these bastards and my money refunded. We as victims have got to find a way to get these people, we have just got to !!!!!
    This eats away at me constantly, I live not to far from La Jolla, I would love to pay Ian a visit one of these days and…………

  • Fjolly

    I just did a GOOGLE search on K2 Capital Management and guess what names jump out at me, give up ? IAN KIDEYS and LAUREN LAYTON hmmm. Looks like they have a really good scam going, they have no remorse, they just keep on going and going, scamming and scamming, sucking the money, hope and peoples good faith from their victims. God tells us to forgive these people, not to seek revenge. I don’t want revenge, I want justice to be delt to these bastards and my money refunded. We as victims have got to find a way to get these people, we have just got to !!!!!
    This eats away at me constantly, I live not to far from La Jolla, I would love to pay Ian a visit one of these days and…………

    • Ralbano

      Hey Fjolly,

      K2 Capital Management and US Mortgage Bailout are the same company moron. Its K2 Capital Management dba US Mortgage Bailout. Haven’t you read any of the posts here. Everybody knows that K2 Capital Management is US Mortgage Bailout. Get your facts straight. Great detective work though.

      • Fjolly

        Hey Ralbano or is it Ralfago, get a life!

  • Guest
  • ComplianceSlave

    K2…. Where have I heard THAT before????????? Hahaha

  • Getevenwithusmb

    Steve and SweetRevenge,
    I have gone to NACA and contacted SEVERAL of their referrals. All of them, after reviewing this forum and information I’ve supplied them, have said that they ‘cannot’ take on the case, stating that we have a great chance of winning a case, but all lawyers know that you can win a case, but not necessarily collect on it. I personally believe that those who sign up with NACA only sign up for ‘publicity’, ‘marketing’ and ‘potential bombshell clients’. It is extremely hard to find an attorney or firm that will take this on out of the goodness of their heart. Also, the owners of this company, have a very good (crooked) attorney, and that may be why firms are staying away from this after they discover that.
    Small claims court is a very doable recourse in this case.
    The more people that complain, the better this is for all future victims.

  • Steve Rhode

    I would suggest you or someone else contact a consumer attorney that would consider a class action case.

    One place to find an attorney would be through NACA.net, the National Association of Consumer Advocates.

    Only you guys can do that.

    If you locate an attorney that would be willing to take this case one, come on back and post the contact information.

  • SweetRevenge

    Steve Rhodes,
    I personally applaud you for this website where all of us scammed homeowners can share their devestating experiences with US Mortgagebailout.com. However all the recommended avenues many of us have gone down to lock these bastards up have failed. Where do we go from here?….While the previous owners live the high life in Scamafornia and are under the cover of another scamming Modification Company….we the middle class American people have been permantly bruised for life. Recommending, the District Attorney, or any other law enforcement agency in Scamafornia is not working. Im sure you have read the many comments…..Dont you think its time to take personal action against the scammers? I bet I can round up an army of people on here that would fly to Scamafornia and lynch these bastards….Tell me Steve, What do we do? They can break the law and we cant….The ball is in your court!

  • SweetRevenge

    Steve Rhodes,
    I personally applaud you for this website where all of us scammed homeowners can share their devestating experiences with US Mortgagebailout.com. However all the recommended avenues many of us have gone down to lock these bastards up have failed. Where do we go from here?….While the previous owners live the high life in Scamafornia and are under the cover of another scamming Modification Company….we the middle class American people have been permantly bruised for life. Recommending, the District Attorney, or any other law enforcement agency in Scamafornia is not working. Im sure you have read the many comments…..Dont you think its time to take personal action against the scammers? I bet I can round up an army of people on here that would fly to Scamafornia and lynch these bastards….Tell me Steve, What do we do? They can break the law and we cant….The ball is in your court!

    • http://GetOutOfDebt.org Steve Rhode

      I would suggest you or someone else contact a consumer attorney that would consider a class action case.

      One place to find an attorney would be through NACA.net, the National Association of Consumer Advocates.

      Only you guys can do that.

      If you locate an attorney that would be willing to take this case one, come on back and post the contact information.

      • Getevenwithusmb

        Steve and SweetRevenge,
        I have gone to NACA and contacted SEVERAL of their referrals. All of them, after reviewing this forum and information I’ve supplied them, have said that they ‘cannot’ take on the case, stating that we have a great chance of winning a case, but all lawyers know that you can win a case, but not necessarily collect on it. I personally believe that those who sign up with NACA only sign up for ‘publicity’, ‘marketing’ and ‘potential bombshell clients’. It is extremely hard to find an attorney or firm that will take this on out of the goodness of their heart. Also, the owners of this company, have a very good (crooked) attorney, and that may be why firms are staying away from this after they discover that.
        Small claims court is a very doable recourse in this case.
        The more people that complain, the better this is for all future victims.

      • Jackie

        Steve and Getevenwithusmb,
        How do you complain at the small claims court if you do not reside in California? I just got a letter from the real estate fraud/economic crimes division/office of the district attorney (all same ppl) that said “the facts indicate that there is no basis for further action by this office at this time…a copy of your complaint will be sent to the FBI which may elect to consider this matter further.” Has anyone else received a similar letter from the DA? So is there anything further I can do from Texas??

      • http://GetOutOfDebt.org Steve Rhode

        Contact your local court house and they should provide you with information for you to file a local small claims case.

      • Bustusmbheads

        STEVE RHODE YOU ARE NO HELP….ALL OF YOUR RECOMMENDATIONS HAVE FAILED…….IAN TAMER LIDEYS, BRIAN MICHAEL KANDEFER AND LAUREN KERR LAYTON ARE LAUGHING AT YOU AND AT US…..WE MUST BAND TOGETHER AND TAKE CARE OF BUSINESS

      • Tf

        Naca is in bed with the banks and you can go fuck yourself Steve. You rich white fuck

      • Tf

        Naca is in bed with the banks and you can go fuck yourself Steve. You rich white fuck

      • AlCapone

        Why’s it gotta be about race? The NACA, a Nation Consumer Advocate Association with thousands of lawyers as members, is in bed with the banks? Hahaha… I want some of what youre smoking, you racist douche

  • Marty and Lynette Gzell

    My story is almost exactly the same as all listed below, but i have never been contacted by UMB i was on the phone with Ian Pelligrini when my home was sold at auction. he told me it was not a legal sale and not to worry! I am now fighting eviction and am still wondering if the lien i filed at the district court in Fresno even was real.It is not right to do this to people, give them some false hope and not even be there after payments are received. (4000 we paid) I am hoping i get a response from them like they have some of the other clients, otherwise i hope you all go to jail and then hell

  • Marty and Lynette Gzell

    My story is almost exactly the same as all listed below, but i have never been contacted by UMB i was on the phone with Ian Pelligrini when my home was sold at auction. he told me it was not a legal sale and not to worry! I am now fighting eviction and am still wondering if the lien i filed at the district court in Fresno even was real.It is not right to do this to people, give them some false hope and not even be there after payments are received. (4000 we paid) I am hoping i get a response from them like they have some of the other clients, otherwise i hope you all go to jail and then hell

  • Steve Rhode

    Don’t see any reason why not.

  • Steve Rhode

    From one biker to another, sorry for the loss of the Harley.

  • Fjolly

    Can we as individuals take these people to small claims court?

  • Fjolly

    Can we as individuals take these people to small claims court?

    • http://GetOutOfDebt.org Steve Rhode

      Don’t see any reason why not.

  • Fjolly

    I have not visited this site since Oct. Since then I have lost my house, my Harley, and my wife. (I miss the Harley most) I lost $3000.00 to these scammers H. Kyle Connell who tried to be my best friend and infact did convince me he was actually helping me. It was all BS, I was going to visit H. Kyle Connell one day last year when this all started but I would be in prison now. That is how upset I was, a day doesn’t go by that I don’t think about these very bad people. What makes me smile is I know in my heart there is a special place in hell that GOD has reserved for H. Kyle Connell and his fellow scammers. They are living the highlife now, but their time will come and eternity in hell will be their final home with no modification bailout.

  • Fjolly

    I have not visited this site since Oct. Since then I have lost my house, my Harley, and my wife. (I miss the Harley most) I lost $3000.00 to these scammers H. Kyle Connell who tried to be my best friend and infact did convince me he was actually helping me. It was all BS, I was going to visit H. Kyle Connell one day last year when this all started but I would be in prison now. That is how upset I was, a day doesn’t go by that I don’t think about these very bad people. What makes me smile is I know in my heart there is a special place in hell that GOD has reserved for H. Kyle Connell and his fellow scammers. They are living the highlife now, but their time will come and eternity in hell will be their final home with no modification bailout.

    • http://GetOutOfDebt.org Steve Rhode

      From one biker to another, sorry for the loss of the Harley.

  • Steve Rhode

    Is anyone aware of an former customer that sued them in small claims court? What was the outcome?

  • Gettingeven

    Hey Geteven with these MFs
    Thanks for the information…Hey do you have adresses on Mike Zivkovic and Christy Commons?
    Please post their information on this site. That bastard Mike screwed my family and I…The federal goverment and California Local gevernment should be doing something and they are sitting on their behinds. We should round up all these MFs and Tar & Feathers them. Better Yet a public Flogging or canning. Im not a barbarian, but when US law protects these bastards, maybe we should follow what other countrys do to uphold the law

  • Gettingeven

    Hey Geteven with these MFs
    Thanks for the information…Hey do you have adresses on Mike Zivkovic and Christy Commons?
    Please post their information on this site. That bastard Mike screwed my family and I…The federal goverment and California Local gevernment should be doing something and they are sitting on their behinds. We should round up all these MFs and Tar & Feathers them. Better Yet a public Flogging or canning. Im not a barbarian, but when US law protects these bastards, maybe we should follow what other countrys do to uphold the law

    • http://GetOutOfDebt.org Steve Rhode

      Is anyone aware of an former customer that sued them in small claims court? What was the outcome?

  • Getevenwithusmb
  • Sebastian987

    that link doesnt work but you can just do a Facebook search

  • Getevenwithusmb
  • Getevenwithusmb

    Ian Tamer Kideys (age 47/48) – 7160 Encelia Drive, San Diego & 300 S. Pointe Drive, Apt. 1103, Miami (during winter). Wife, Michelle: http://www.facebook.com/kideys1 (most days you get to see most of her pathetic, obviously fake implants you all paid for)

    Brian Michael Kandefer (age 32/33) – 2488 La Marque Street and/or 641 Chalcedony St. in San Diego

    Lauren Kerr Layton (age 51/52) – PO Box 805, Corona Del Mar, CA or 424 Fernleaf Ave, Corona Dl Mar, CA (she’s most likely moved)

  • Getevenwithusmb

    Ian Tamer Kideys (age 47/48) – 7160 Encelia Drive, San Diego & 300 S. Pointe Drive, Apt. 1103, Miami (during winter). Wife, Michelle: http://www.facebook.com/kideys1 (most days you get to see most of her pathetic, obviously fake implants you all paid for)

    Brian Michael Kandefer (age 32/33) – 2488 La Marque Street and/or 641 Chalcedony St. in San Diego

    Lauren Kerr Layton (age 51/52) – PO Box 805, Corona Del Mar, CA or 424 Fernleaf Ave, Corona Dl Mar, CA (she’s most likely moved)

  • jack

    Has anyone heard if anything is being done by the law to catch these SOBs? Can we not get a action suit against them? I have heard nothing from all the agencies I filed with. What’s going on?? Has this become water under the bridge??

  • jack

    Has anyone heard if anything is being done by the law to catch these SOBs? Can we not get a action suit against them? I have heard nothing from all the agencies I filed with. What’s going on?? Has this become water under the bridge??

  • Karen s shannon

    In 2008 I paid US Mortgage Bailout $3500 to help me with a loan modification with BofA. They did nothing but take my money. And now they have gone out of business. They need to return my money. I so tired of the hassles, I am ready to hand the keys to my house over to BofA. They can have it!

  • Karen s shannon

    In 2008 I paid US Mortgage Bailout $3500 to help me with a loan modification with BofA. They did nothing but take my money. And now they have gone out of business. They need to return my money. I so tired of the hassles, I am ready to hand the keys to my house over to BofA. They can have it!

  • GETTINGEVEN

    Where are these people. If You know please post their home addresses and phone numbers on this site
    Lauren Layton, Owner
    Ian Tamer Kideys, Owner
    Brian M. Kandefer, Owner

    These are the people that caused damage to many peoples lives and the law has done nothing to them. Let us all call them and tell them how we feel about what they did

  • GETTINGEVEN

    Where are these people. If You know please post their home addresses and phone numbers on this site
    Lauren Layton, Owner
    Ian Tamer Kideys, Owner
    Brian M. Kandefer, Owner

    These are the people that caused damage to many peoples lives and the law has done nothing to them. Let us all call them and tell them how we feel about what they did

  • Bogomil

    Steve Rhodes,
    Why are you posting these telephone numbers on this blog when both numbers are not in working order? Is this another scam?

  • Bogomil

    Steve Rhodes,
    Why are you posting these telephone numbers on this blog when both numbers are not in working order? Is this another scam?

  • Disgruntled

    Obama’s HAMP Programwww.TheObamaHAMP.comPrevent Foreclosure! Get Qualified Instantly Here 888-881-1682
    Obama’s HAMP Programwww.TheObamaHAMP.netPrevent Foreclosure! Get Qualified Instantly Here. Call (866) 422-5063

  • Familyruined

    Somebody please help us….we have one more court appearance…then our house will be taking from us…..How can these people at Mortgagebailout.com get away with causing this disaster…….Somebody out there please help my family….Please……Im begging….we have no place to go

  • Familyruined

    Somebody please help us….we have one more court appearance…then our house will be taking from us…..How can these people at Mortgagebailout.com get away with causing this disaster…….Somebody out there please help my family….Please……Im begging….we have no place to go

  • Walker49398

    Thank Mishy for the information. I’ll be giving them a call.

  • Zivkodick

    Mr. Rhodes,
    I am still being Harassed over the internet by Mike Zivkovic……the name of the company he works for now is Loan ModifactionDept.com in Hermosa Beach California…..He his still pulling his scams over the internet…..What are we doing about this… This son of a bitch is still out there ripping people off…..What has to happen

  • Crazymf

    Mr Rhodes,
    I have called my attorney Generals office in Long Island New York only to get lip service. They told me there is nothing they can do. Each one of these little Fucks at US Morgagebailout.com
    should be delt with severely. What are we going to do…Im out a lot of money and my home is in forclosure. For the record, if anyone and i mean anyone comes here and trys to throw my family and I out …..you will read about it on the front page of your local paper

    Disgruntled, Angry, Pissed off and Crazy

  • Mishy

    Jack, here’s a few others:

    - State of California Attorney General’s office
    - San Diego District Attorney’s office
    - Prevent Loan Scams complaint link: http://lcintake.serveronline.n
    - http://www.ripoffreport.com

  • Jack

    Ok can someone please clarify all these agencies for me. The office of the district attorney is different than the department of real estate, correct?

    So just to make sure I’ve covered all the agencies I possibly can in filing complaints with, I filed with…
    -The department of real estate, enforcement
    -Office of the district attorney
    -FTC
    -BBB
    -State of California Department of Justice

    Are there any agencies that I should file with other than the above???

  • Jack

    Ok can someone please clarify all these agencies for me. The office of the district attorney is different than the department of real estate, correct?

    So just to make sure I’ve covered all the agencies I possibly can in filing complaints with, I filed with…
    -The department of real estate, enforcement
    -Office of the district attorney
    -FTC
    -BBB
    -State of California Department of Justice

    Are there any agencies that I should file with other than the above???

  • Mishy

    Exactly!
    And I know for an absolute fact that there’s well more than 100 who they’ve screwed over, to put it very nicely.

  • Steve Rhode

    I had a discussion with the FTC about them just yesterday as a matter of fact.

    But realistically, some enforcement agency or state is going to have to sue the hell out of them. Keep filing complaints with your state Attorney General office if you want to get them on the radar. It’s not one complaint that gets their attention, it is 100.

  • Disgrutled

    Mr. Rhodes,
    How are we going to put these fucken assholes from USMortgagebailout.com from doing this again under another name?

  • Disgrutled

    Mr. Rhodes,
    How are we going to put these fucken assholes from USMortgagebailout.com from doing this again under another name?

    • http://GetOutOfDebt.org Steve Rhode

      I had a discussion with the FTC about them just yesterday as a matter of fact.

      But realistically, some enforcement agency or state is going to have to sue the hell out of them. Keep filing complaints with your state Attorney General office if you want to get them on the radar. It’s not one complaint that gets their attention, it is 100.

      • Mishy

        Exactly!
        And I know for an absolute fact that there’s well more than 100 who they’ve screwed over, to put it very nicely.

      • Crazymf

        Mr Rhodes,
        I have called my attorney Generals office in Long Island New York only to get lip service. They told me there is nothing they can do. Each one of these little Fucks at US Morgagebailout.com
        should be delt with severely. What are we going to do…Im out a lot of money and my home is in forclosure. For the record, if anyone and i mean anyone comes here and trys to throw my family and I out …..you will read about it on the front page of your local paper

        Disgruntled, Angry, Pissed off and Crazy

      • Zivkodick

        Mr. Rhodes,
        I am still being Harassed over the internet by Mike Zivkovic……the name of the company he works for now is Loan ModifactionDept.com in Hermosa Beach California…..He his still pulling his scams over the internet…..What are we doing about this… This son of a bitch is still out there ripping people off…..What has to happen

  • KD

    “DITTO”, what they anonymous person below this comment said. They haven’t refunded our money either and will not answer any attempt to contact them.

  • KD

    “DITTO”, what they anonymous person below this comment said. They haven’t refunded our money either and will not answer any attempt to contact them.

  • Mom1patl1

    I would like to know who is following thru on open account? We were working with Jason Kameya and no one ever called to tell us you were going out of business. Right now we have no where to turn and you still have our $3000 that would be very helpful to us at this point. If you were not a scam, how come you did not notify people with an open account with you and let them know what was going on? Please let me know about my $3000….

  • Matiul

    Mike Zivkovic is a career Criminal…thats why USMB hired him

    Report: #444063Report: Alliance Law Center San Diego
    Share Reported By: (Livermore California )
    Alliance Law Center San Diego Starting 07After many futile attempts to drag answers out of ALLIANCE LAW CENTER being passed from “one attorney to another” I contacted my lender yesterday ,Indy Mac and was told that my package has been INCOMPLETE since March ’08 I was told I’m in foreclosure San Diego California
    … I have was also a Client of this company

  • Ulose

    Hey Chris Watkins and Mike Zivkovic,
    When you finally are caught and convicted of your crimes
    HERE IS MY WISH FOR THE BOTH OF YOU
    To be stripped and shackled and placed in the same cell
    and then have Bubba come in and have his way with each of you ,one at a time ,while the other watches
    You dirty bastards….what you did was the lowest of the low!

  • Cwatkinsisaphony

    Way to Go…all…!!!!
    Chris Watkins ( which we all know is not your real name) The walls are closing in on you and your partners…Give it up…put up the white flag…Just by posting some of the nonsense on here…proves to all of us that you are a piece of Dogs.it and all dogs will have their day!!! Go to Fuc..en Hell you Menstruating Monkey!

  • pete

    oh thanks lord to hear his already behind bars,,,he sounded soo professional wen he talks to people on da phone before he takes dea money, now he can practice talking to da toilet in his cell alone and dream of all da bad things he did….watch out helloween nite is around da corner I sneek in ur cell and drown u in da toilet bowl..

  • Your Worst Nightmare

    EXUSMB….you disgust me. No action taken on your part makes you as guilty as the Owners. I hope you have sleepless nights like the majority of people who were scammed by these scumbags!

  • USBM Krypton Rival

    “while i am very sorry things went bad what should any of us do to help besides cooperate if asked by law enforcement. when you dont control the money you have no control of how a business is run.”

    But you do have control of your own actions! Like contacting the authorities once you find out shit like this!
    But guess you’re one of those that woulda fried a few people in the holocaust because you were told to.

  • Jane

    Mr. Watkins;
    I am a victim too. I spoke to mishy, she just listens to my story and never ask for any personal info.
    By the way, You are a total amateur. You do not even know the procedure to be a portfolio buyer. First, You need to prove that you have 3 million cash, then the bank will assign someone to talk to you.NO EXCEPTION! Second,they will sell you a package of 5, 10 or more properties, you pretty much does not get to choose what is in there. all those properties will be around 40% off market value. Third, If mishy has at least 3 million cash in her account, you will think she would have nothing better to do but to screw a few grands from you? With the foreclosure rate we have, There is enough of deals of the centry floating all over the country, she does not need to go thru that much trouble just to get 1 foreclosure property. Mr. Watkins, or who ever you are. You are either too stupid or you are from USMB. I feel my IQ drop 50 points just to reply your post. but I need to speak out for Mishy. You are insulting everybody’s IQ here, so PPPPlease shut the hell up and never post again.

  • exusmb

    mike worked for alliance law center which closed as well as legalloanaudits. while that is a pattern with him a lot of people in our office all came from good backgrounds of ethical employment and our only crime was working for men who did not keep their word. while i am very sorry things went bad what should any of us do to help besides cooperate if asked by law enforcement. when you dont control the money you have no control of how a business is run.

  • exusmb

    which person bought your house?

  • exusmb

    hud, naca, and attorney based negotiation is an exercise in futility and very few if any HAMP mods work out… you got to be smart and locate the investor and available options within.

  • DogtheBuntyhunter

    There is a young creep named Mike( Zivkovic)
    who just didnt see the light
    Could not pay is Bail
    So they threw him in Jail
    Now his cellmate and him are in tight

    Mike you are going to fry…..pack your bags,,you are going away for a long time

    The FBI will have no mercy on you and your partners in crime!

  • MISHY

    So your ‘proof’ is the purchase of my house (the sole piece of real estate I’ve ever owned) and who I purchased it from? Did you talk to Mr. Sommese personally? Really?! And he told you he was a USMB customer? Oh yeah, and what banks do I deal with directly?

    Your little fairy tale didn’t work because your victims are still contacting me and I’m just adding them to my ever-growing list. And because of that I’m not going away or giving up on your demise! There’s just too many people you’ve f****d in order to get your expensive homes, cars, plastic surgeries – you feel good about that? Making a real honest living? Your family and friends would be so proud. You are sooooo very lucky that I had the GRACE to not disclose ALLLLL of your personal information 2 months ago.

    Whoever you are, Ian, Brian, Prudence, Christy, Mark, you’re psychopaths & freakin out and I’m loving it.

  • ThereCar

    I was in a horrible car accident in April of 2009; I broke my neck in two places, cracked my back and compressed a disk. I knew that I needed help lowering my house payment. I saw the ad on TV for US Bailout Mortgage and gave them a call. Yes, at first they were always prompt in answering my calls and inqueries. They have stopped. I am the one doing the work on my Home Loan Modification. I am the one that keeps on top of my mortgage and call BOA all the time for updates on my application. US Bailout will tell you that they are, but they aren’t. I’ve caught them in several lies. Through a lawyer, too late for me, I found out that we as Citizen’s of the Constitution are not required to pay for services before they are performed to our satisfaction. US Bailout Mortgage immediately had me pay them $3000 up front and I did so. Now they are saying that I cannot get my money back and like I said, “I do all of the work and keeping in contact with my bank.” It’s been a year and a half and I still have not gotten through the process with BOA for my loan modification. They do not ever call me, I am the one that has to call them. It’s killing me, because I have become permenantly disabled since the accident in April of ’09, and now am unable to work.
    Credit Solutions is a bad company, too. They took me for $2000.

  • ThereCar

    I was in a horrible car accident in April of 2009; I broke my neck in two places, cracked my back and compressed a disk. I knew that I needed help lowering my house payment. I saw the ad on TV for US Bailout Mortgage and gave them a call. Yes, at first they were always prompt in answering my calls and inqueries. They have stopped. I am the one doing the work on my Home Loan Modification. I am the one that keeps on top of my mortgage and call BOA all the time for updates on my application. US Bailout will tell you that they are, but they aren’t. I’ve caught them in several lies. Through a lawyer, too late for me, I found out that we as Citizen’s of the Constitution are not required to pay for services before they are performed to our satisfaction. US Bailout Mortgage immediately had me pay them $3000 up front and I did so. Now they are saying that I cannot get my money back and like I said, “I do all of the work and keeping in contact with my bank.” It’s been a year and a half and I still have not gotten through the process with BOA for my loan modification. They do not ever call me, I am the one that has to call them. It’s killing me, because I have become permenantly disabled since the accident in April of ’09, and now am unable to work.
    Credit Solutions is a bad company, too. They took me for $2000.

  • homelessfamily

    What bank are you going throught? I really think Our bank had some part in this. Becuz banks gets updates on scams When they seen usmbailout on our papers that we fax to the bank. The bank did not notice? Or are we the first people from our bank to get scam I don’t think so. Banks don’t care on what happens to the house just as long as they get there money and that my friend was straight from the horse mouth

  • Rahmatmawlanpour

    the usmbailout took $3000 just the same you gues. we should all together and have an action

  • Rahmatmawlanpour

    the usmbailout took $3000 just the same you gues. we should all together and have an action

  • homeless family

    This company IS a scam. They took our money. Told us that everything was GREAT. Our home was sold in June in a quick sale WE had no idea… WE just found out we have to more on DEC 23 What a Great christmas gift..When we found out We got a hold of our bank They never talked to these people{we were dealing with US mortage for 7mths} When we asked the bank why didn’t they sent a notice or something They said they did but “someone” or some “company” had change our address to two different place one in Ohio and Utah. WE have giving these people our acc.numbers Soc. number etc.This company change our address. We never seen a notice of forecloser nor did the bank ever tried to contacted us. also we found out who bought the house…are you ready to hear this one? an employer of US mortage bailout bought it thanks Mr. WEll I bet you have a nice warm big house that we paid for. WE did hire someone to look in to this becuz I can’t belive that the bank did not know about this scam…WE fax all papers to our bank with Us mortage on it.They were taking money out of our acc.And the banks knew we were getting help from these people. I would think that if the bank seen the payments coming out of the acc. and the bank was not getting their payment. They would have looked in to it.. If I find out that our bank company has something to do with this company….I wouldn’t be shocked And yes, to try to save the house we have to come up with 15,000 and this is were our lawyer is confused If the house was sold back in June how can the bank tell us that if we can come up with the money we can stay???? The bank don’t own our house anymore US mortage does

  • homeless family

    This company IS a scam. They took our money. Told us that everything was GREAT. Our home was sold in June in a quick sale WE had no idea… WE just found out we have to more on DEC 23 What a Great christmas gift..When we found out We got a hold of our bank They never talked to these people{we were dealing with US mortage for 7mths} When we asked the bank why didn’t they sent a notice or something They said they did but “someone” or some “company” had change our address to two different place one in Ohio and Utah. WE have giving these people our acc.numbers Soc. number etc.This company change our address. We never seen a notice of forecloser nor did the bank ever tried to contacted us. also we found out who bought the house…are you ready to hear this one? an employer of US mortage bailout bought it thanks Mr. WEll I bet you have a nice warm big house that we paid for. WE did hire someone to look in to this becuz I can’t belive that the bank did not know about this scam…WE fax all papers to our bank with Us mortage on it.They were taking money out of our acc.And the banks knew we were getting help from these people. I would think that if the bank seen the payments coming out of the acc. and the bank was not getting their payment. They would have looked in to it.. If I find out that our bank company has something to do with this company….I wouldn’t be shocked And yes, to try to save the house we have to come up with 15,000 and this is were our lawyer is confused If the house was sold back in June how can the bank tell us that if we can come up with the money we can stay???? The bank don’t own our house anymore US mortage does

    • exusmb

      which person bought your house?

  • Steve Rhode

    Please keep us all posted on what happens.

    Steve

  • Anxious for KARMA

    I filled my complaint. It was so thick it looked like a book. I still had my contracts from USMB, my bank statements showing where I paid them and all the emails from them promising me completion. I also included all my emails to them desperately begging for updates or contact. I have great documented proof of what these people did! I aslo included a copy of their last web page saying that all work for clients current or past had ceased and for people to contact their own mortgage companys.

  • Anxious for KARMA

    I filled my complaint. It was so thick it looked like a book. I still had my contracts from USMB, my bank statements showing where I paid them and all the emails from them promising me completion. I also included all my emails to them desperately begging for updates or contact. I have great documented proof of what these people did! I aslo included a copy of their last web page saying that all work for clients current or past had ceased and for people to contact their own mortgage companys.

    • http://GetOutOfDebt.org Steve Rhode

      Please keep us all posted on what happens.

      Steve

    • homelessfamily

      What bank are you going throught? I really think Our bank had some part in this. Becuz banks gets updates on scams When they seen usmbailout on our papers that we fax to the bank. The bank did not notice? Or are we the first people from our bank to get scam I don’t think so. Banks don’t care on what happens to the house just as long as they get there money and that my friend was straight from the horse mouth

  • Lowlife

    Hey Chriswatkins78,
    I may be a lowlife….and rather be that. When you finally get caught, convicted and go to prison…my advise to you…Practice safe sex , because you be doing a lot of sucking up to stay alive. Tell your multiple sex partners to use a condom, otherwise you might end up like Rod Stewart, having his stomach pumped from swallowing to much…..
    All my love to you
    Lowlife

  • Ulose

    Hey Mike Zivkovic,
    You taking your image off facebook didnt do you any good….the FBI already has a copy of hamdsome pose….Keep on smiling and Good Luck you moron

  • Plmcfall

    •Beware of anyone who asks you to pay a fee in exchange for a counseling service or modification of a delinquent loan.
    •Scam artists often target homeowners who are struggling to meet their mortgage commitment or anxious to sell their homes. Recognize and avoid common scams.
    •Assistance from a HUD-approved housing counselor is FREE.
    •Beware of people who pressure you to sign papers immediately, or who try to convince you that they can “save” your home if you sign or transfer over the deed to your house.
    •Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
    •Never make a mortgage payment to anyone other than your mortgage company without their approval.
    The Obama Administration has launched a coordinated effort across federal and state government and the private sector to target mortgage loan modification fraud and foreclosure rescue scams that threaten to hurt American homeowners and prevent them from getting the help they need during these challenging times. Click here for more information

    • exusmb

      hud, naca, and attorney based negotiation is an exercise in futility and very few if any HAMP mods work out… you got to be smart and locate the investor and available options within.

  • Plmcfall

    •Beware of anyone who asks you to pay a fee in exchange for a counseling service or modification of a delinquent loan.
    •Scam artists often target homeowners who are struggling to meet their mortgage commitment or anxious to sell their homes. Recognize and avoid common scams.
    •Assistance from a HUD-approved housing counselor is FREE.
    •Beware of people who pressure you to sign papers immediately, or who try to convince you that they can “save” your home if you sign or transfer over the deed to your house.
    •Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
    •Never make a mortgage payment to anyone other than your mortgage company without their approval.
    The Obama Administration has launched a coordinated effort across federal and state government and the private sector to target mortgage loan modification fraud and foreclosure rescue scams that threaten to hurt American homeowners and prevent them from getting the help they need during these challenging times. Click here for more information

  • Plmcfall

    •Beware of anyone who asks you to pay a fee in exchange for a counseling service or modification of a delinquent loan.
    •Scam artists often target homeowners who are struggling to meet their mortgage commitment or anxious to sell their homes. Recognize and avoid common scams.
    •Assistance from a HUD-approved housing counselor is FREE.
    •Beware of people who pressure you to sign papers immediately, or who try to convince you that they can “save” your home if you sign or transfer over the deed to your house.
    •Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
    •Never make a mortgage payment to anyone other than your mortgage company without their approval.
    The Obama Administration has launched a coordinated effort across federal and state government and the private sector to target mortgage loan modification fraud and foreclosure rescue scams that threaten to hurt American homeowners and prevent them from getting the help they need during these challenging times. Click here for more information

  • Avenger
  • USMBavenger

    Chrswatkins,
    We know you are one of those scumbuckets that worked, or was one of the owners at USMB. How the hell can you live with yourself? How could you do this to your fellow countrymen? This is how you make your money by the misfortune of others? You are a disgraceful bastard and one day the scam you inflicted on others will all come back to you….Legally in a court of law. When you are finally found guilty and have to do some time in jail…. I hope your cell mate has mercy on your anus!!!

  • Mishy

    Please file a complaint about this company by either sending an email to [email protected] or calling (619) 531-3552 to request a complaint form. It’s the San Diego District Attorney’s office.

    Also, to help save your house, the US government’s HOPE NOW program has local offices all around the country. Call 888-995-HOPEâ„¢ (888-995-4673) to find out where the nearest local office to you is and call to schedule an appointment with someone in person. Doesn’t cost a dime. This is what my boyfriend has done and there is only ONE (1) person assigned to his case!

    Since they are so beyond busy these days, you really have to stay on them, call them frequently to see where they are on your case, in addition to calling your mortgage company to make sure they’re also in contact with Hope Now.

    Good luck, Mishy ([email protected])

  • Mishy

    Please file a complaint about this company by either sending an email to [email protected] or calling (619) 531-3552 to request a complaint form. It’s the San Diego District Attorney’s office.

    Also, to help save your house, the US government’s HOPE NOW program has local offices all around the country. Call 888-995-HOPE™ (888-995-4673) to find out where the nearest local office to you is and call to schedule an appointment with someone in person. Doesn’t cost a dime. This is what my boyfriend has done and there is only ONE (1) person assigned to his case!

    Since they are so beyond busy these days, you really have to stay on them, call them frequently to see where they are on your case, in addition to calling your mortgage company to make sure they’re also in contact with Hope Now.

    Good luck, Mishy ([email protected])

    • Avenger
      • Ulose

        Hey Mike Zivkovic,
        You taking your image off facebook didnt do you any good….the FBI already has a copy of hamdsome pose….Keep on smiling and Good Luck you moron

      • DogtheBuntyhunter

        There is a young creep named Mike( Zivkovic)
        who just didnt see the light
        Could not pay is Bail
        So they threw him in Jail
        Now his cellmate and him are in tight

        Mike you are going to fry…..pack your bags,,you are going away for a long time

        The FBI will have no mercy on you and your partners in crime!

      • exusmb

        mike worked for alliance law center which closed as well as legalloanaudits. while that is a pattern with him a lot of people in our office all came from good backgrounds of ethical employment and our only crime was working for men who did not keep their word. while i am very sorry things went bad what should any of us do to help besides cooperate if asked by law enforcement. when you dont control the money you have no control of how a business is run.

      • USBM Krypton Rival

        “while i am very sorry things went bad what should any of us do to help besides cooperate if asked by law enforcement. when you dont control the money you have no control of how a business is run.”

        But you do have control of your own actions! Like contacting the authorities once you find out shit like this!
        But guess you’re one of those that woulda fried a few people in the holocaust because you were told to.

      • Your Worst Nightmare

        EXUSMB….you disgust me. No action taken on your part makes you as guilty as the Owners. I hope you have sleepless nights like the majority of people who were scammed by these scumbags!

      • Matiul

        Mike Zivkovic is a career Criminal…thats why USMB hired him

        Report: #444063Report: Alliance Law Center San Diego
        Share Reported By: (Livermore California )
        Alliance Law Center San Diego Starting 07After many futile attempts to drag answers out of ALLIANCE LAW CENTER being passed from “one attorney to another” I contacted my lender yesterday ,Indy Mac and was told that my package has been INCOMPLETE since March ’08 I was told I’m in foreclosure San Diego California
        … I have was also a Client of this company

      • pete

        oh thanks lord to hear his already behind bars,,,he sounded soo professional wen he talks to people on da phone before he takes dea money, now he can practice talking to da toilet in his cell alone and dream of all da bad things he did….watch out helloween nite is around da corner I sneek in ur cell and drown u in da toilet bowl..

    • Walker49398

      Thank Mishy for the information. I’ll be giving them a call.

  • Chris

    Total rip off ! They don’t follow through they essentially stole my money. In the end I had to follow up with my mortgage company by myself and ended up much better off. DON”T USE THEM

  • Chris

    Total rip off ! They don’t follow through they essentially stole my money. In the end I had to follow up with my mortgage company by myself and ended up much better off. DON”T USE THEM

  • F Bryant

    i need help, because I have been scam from U.S Bailout.

  • Your Worst Nightmare

    I’d recommend if you don’t like the direction that Mishy has spearheaded for this group, go find another avenue to avenge your “loss”. Simple as that my dear Mr. Watkins! Kapish?

  • Chrswatkins78

    My name is Chris Watkins a USMB customer, I lost my house. Who are you, possibly Michelle Spina. You sure are an angry person. I have come out with my name. Why don’t you reveal yourself, maybe people would take you more seriously if you were not hiding. BY name calling and profanity you have succeded at discrediting yourself.

  • Your Worst Nightmare

    “US” Who the hell are you anyway? You don’t know what the hell you’re talking about. “Mishy” is top notch in my book! Her boyfriend was taken advantage of by you scumbags at USMB. She’s spearheaded getting people organized who were scammed out of thousands of dollars by you California liberal pricks! Don’t believe anything derogatory about “Mishy”. It simply is not true and the ones who stole from ALL OF US are trying to discredit her. Rot in hell you SOB’s!!!!!

  • Chrswatkins78

    appropriate name calling your self a low life, you sure are a low life.
    SMD Nice.

  • Chrswatkins78

    IL has nothing to do with it, just people who are taking advantage of us.
    Michelle Spiva is not a USMB customer further more has nothing to with this forum.
    She has no losses and is simply trying to profit at our expense.
    You can believe what ever you want but when you lose your home and find out that she has purchased it directly from the bank, you can only blame yourself.

  • Plmcfall

    well well well, where is mike zipcovic ur company has to refund mah $3000 ,,if u say u refund $400,000 yea rite, then why not include us,,,work was not perform like u promised then u lied,,, no replies after u took mah money after being promising at first,,,dont try to make us feel sorry about what has happened to ur company,,da reason why u said u bankrubt is ur on da run right,,,,yes u can run but u cant hide,,,,scammers

  • Plmcfall

    same guy that ripped me up and talks like a thief, I wish I knew and still got his emails he send me with 100 percent refund mah $3000 if they fail and they did but now no refund,,,liers

  • USMB Krypton Rival

    Takes practice to pull of something like this, they’ve been at it awhile. The company is gone, but the owners are still alive. If you can track em down in one of their many homes around the country you may be able to get in touch with them.

  • Joe

    I would like to know how a company such as USMB can get away with something like this. I to gave this company 3500 and was promised a loan mod. If unsucessful a full return. Never got my mod, never got a refund. I would really like to know if anyone could help me get in touch with this company.

  • Joe

    I would like to know how a company such as USMB can get away with something like this. I to gave this company 3500 and was promised a loan mod. If unsucessful a full return. Never got my mod, never got a refund. I would really like to know if anyone could help me get in touch with this company.

    • USMB Krypton Rival

      Takes practice to pull of something like this, they’ve been at it awhile. The company is gone, but the owners are still alive. If you can track em down in one of their many homes around the country you may be able to get in touch with them.

  • Mishy

    I like that Lowlife and THANKS poKim ;)
    A desperate, sloppy and feeble attempt at a fictional story just means we’ve fanned the fire under all the right people in lovely La Jolla.

  • MKW

    yes, she is in IL and so am I, does that make me a troll on this list? If you aren’t a USMB person, get your forms, fill them out and send them in, as I have.

    If you are a USMB person, please sink with the ship.

  • Lowlife

    Hey Chrswatkins.
    SMD!

  • Jhushky

    Hey Avenger,
    I was also taken advantage of by Mr Zivkovic. Just to update you, The FBI has
    Mike Zivkovics name, address, phone number and his picture.I wish I was there to see his face when the FBI comes to the office that he works at now, and takes him away in cuffs in front of all of his associates. Thats worth more then the money he stole

  • pissed off Kim!!!!

    To everyone don’t trust this chrswatkins person, He has to be someone that works with USMB. I spoke to Mishy and she only asked for a name and phone number to stay in touch. Heck I don’t think she even knows my last name. She is a real person, who is trying to help. And a**holes like this guy Chrswatkins and Druizit is trying to scare people away. Remember that USMB people is reading this blog and trying to disguise themselfs and post on this blog. I surpport Mishy, and there is nothing you can say or post on here,that would make me change my mind about Mishy. I will not stop fighting until I get my family money back, or until all you guys are in jail behind bars!!!!!!!

  • MKW

    Have you asked your mortgage holder for a modification? Miner offered me one on their own.

  • MKW

    OK can’t type today, should be “have sent”

  • MKW

    I hav4 swe3nt in my info to the Real Estate board, without a license, he’ll be outta’ business (under his own name, anyway).

  • MKW

    You are so uninformed, get a life.

  • Mishy

    You are so sore mistaken ‘Mr. Watkins’. You are one of the owners or very closely connected to one of the owners because only a very vulgar person would give out someone’s personal information like that. You will get caught. You can only run this circus so long. Coward

    http://www.johnsommese.com/

    Anyone that doubts me, please do call Mr. Sommese to see if any of this is true.

  • Chrswatkins78

    I have been looking to join Mishy on her crusade but wanted to do some research to make sure that she truly had my best interests at heart after seeing that a few others were skeptical of her intentions also. There have been people looking for her to come out with her real name and contact info to demonstrate that she has been truthfull on her motivations.

    After some research I have found out that her real name is Michelle Spina and her phone number is 708-209-6672, and she lives in Illinois. What I have found to be the most disturbing is that she works directly with the banks in trying to purchase foreclosed homes at a substansial discount. She is a scavenger praying on poor homeowners, she collects our information, luring us in by claiming she is watching out for you and then when you get foreclosed upon she can buy your home at a discount and then sell it for a profit.

    Don’t believe me; do a google search. She just took advantage of another USMB customer. I found this information from John Sommese, a USMB customer that she befriended and then worked with the bank to purchase his house at the County sale. The address of this property is 2100 Highland Ave. Berwin IL.

    Please be carefull with her and most importantly don’t give her any information as to your address and phone number or what bank you have your loan with. As usual nobody ever does anything unless it directly benefits them. I don’t trust anybody anymore.

    If you would like additional information that I have uncovered regarding Mishy (Michelle Spina) please contact me at [email protected]

    I’m also going to post my findings on as many sites as possible to ensure she can’t continue this fraud.

  • Chrswatkins78

    I have been looking to join Mishy on her crusade but wanted to do some research to make sure that she truly had my best interests at heart after seeing that a few others were skeptical of her intentions also. There have been people looking for her to come out with her real name and contact info to demonstrate that she has been truthfull on her motivations.

    After some research I have found out that her real name is Michelle Spina and her phone number is [Redacted], and she lives in Illinois. What I have found to be the most disturbing is that she works directly with the banks in trying to purchase foreclosed homes at a substansial discount. She is a scavenger praying on poor homeowners, she collects our information, luring us in by claiming she is watching out for you and then when you get foreclosed upon she can buy your home at a discount and then sell it for a profit.

    Don’t believe me; do a google search. She just took advantage of another USMB customer. I found this information from John Sommese, a USMB customer that she befriended and then worked with the bank to purchase his house at the County sale. The address of this property is [Redacted].

    Please be carefull with her and most importantly don’t give her any information as to your address and phone number or what bank you have your loan with. As usual nobody ever does anything unless it directly benefits them. I don’t trust anybody anymore.

    If you would like additional information that I have uncovered regarding Mishy (Michelle Spina) please contact me at [email protected]

    I’m also going to post my findings on as many sites as possible to ensure she can’t continue this fraud.

    • Mishy

      You are so sore mistaken ‘Mr. Watkins’. You are one of the owners or very closely connected to one of the owners because only a very vulgar person would give out someone’s personal information like that. You will get caught. You can only run this circus so long. Coward

      http://www.johnsommese.com/

      Anyone that doubts me, please do call Mr. Sommese to see if any of this is true.

    • MKW

      You are so uninformed, get a life.

    • pissed off Kim!!!!

      To everyone don’t trust this chrswatkins person, He has to be someone that works with USMB. I spoke to Mishy and she only asked for a name and phone number to stay in touch. Heck I don’t think she even knows my last name. She is a real person, who is trying to help. And a**holes like this guy Chrswatkins and Druizit is trying to scare people away. Remember that USMB people is reading this blog and trying to disguise themselfs and post on this blog. I surpport Mishy, and there is nothing you can say or post on here,that would make me change my mind about Mishy. I will not stop fighting until I get my family money back, or until all you guys are in jail behind bars!!!!!!!

      • Lowlife

        Hey Chrswatkins.
        SMD!

      • Chrswatkins78

        appropriate name calling your self a low life, you sure are a low life.
        SMD Nice.

      • USMBavenger

        Chrswatkins,
        We know you are one of those scumbuckets that worked, or was one of the owners at USMB. How the hell can you live with yourself? How could you do this to your fellow countrymen? This is how you make your money by the misfortune of others? You are a disgraceful bastard and one day the scam you inflicted on others will all come back to you….Legally in a court of law. When you are finally found guilty and have to do some time in jail…. I hope your cell mate has mercy on your anus!!!

      • Lowlife

        Hey Chriswatkins78,
        I may be a lowlife….and rather be that. When you finally get caught, convicted and go to prison…my advise to you…Practice safe sex , because you be doing a lot of sucking up to stay alive. Tell your multiple sex partners to use a condom, otherwise you might end up like Rod Stewart, having his stomach pumped from swallowing to much…..
        All my love to you
        Lowlife

    • MKW

      yes, she is in IL and so am I, does that make me a troll on this list? If you aren’t a USMB person, get your forms, fill them out and send them in, as I have.

      If you are a USMB person, please sink with the ship.

      • Mishy

        I like that Lowlife and THANKS poKim ;)
        A desperate, sloppy and feeble attempt at a fictional story just means we’ve fanned the fire under all the right people in lovely La Jolla.

      • Chrswatkins78

        IL has nothing to do with it, just people who are taking advantage of us.
        Michelle Spiva is not a USMB customer further more has nothing to with this forum.
        She has no losses and is simply trying to profit at our expense.
        You can believe what ever you want but when you lose your home and find out that she has purchased it directly from the bank, you can only blame yourself.

      • Your Worst Nightmare

        “US” Who the hell are you anyway? You don’t know what the hell you’re talking about. “Mishy” is top notch in my book! Her boyfriend was taken advantage of by you scumbags at USMB. She’s spearheaded getting people organized who were scammed out of thousands of dollars by you California liberal pricks! Don’t believe anything derogatory about “Mishy”. It simply is not true and the ones who stole from ALL OF US are trying to discredit her. Rot in hell you SOB’s!!!!!

      • Chrswatkins78

        My name is Chris Watkins a USMB customer, I lost my house. Who are you, possibly Michelle Spina. You sure are an angry person. I have come out with my name. Why don’t you reveal yourself, maybe people would take you more seriously if you were not hiding. BY name calling and profanity you have succeded at discrediting yourself.

      • Your Worst Nightmare

        I’d recommend if you don’t like the direction that Mishy has spearheaded for this group, go find another avenue to avenge your “loss”. Simple as that my dear Mr. Watkins! Kapish?

    • MISHY

      So your ‘proof’ is the purchase of my house (the sole piece of real estate I’ve ever owned) and who I purchased it from? Did you talk to Mr. Sommese personally? Really?! And he told you he was a USMB customer? Oh yeah, and what banks do I deal with directly?

      Your little fairy tale didn’t work because your victims are still contacting me and I’m just adding them to my ever-growing list. And because of that I’m not going away or giving up on your demise! There’s just too many people you’ve f****d in order to get your expensive homes, cars, plastic surgeries – you feel good about that? Making a real honest living? Your family and friends would be so proud. You are sooooo very lucky that I had the GRACE to not disclose ALLLLL of your personal information 2 months ago.

      Whoever you are, Ian, Brian, Prudence, Christy, Mark, you’re psychopaths & freakin out and I’m loving it.

      • Cwatkinsisaphony

        Way to Go…all…!!!!
        Chris Watkins ( which we all know is not your real name) The walls are closing in on you and your partners…Give it up…put up the white flag…Just by posting some of the nonsense on here…proves to all of us that you are a piece of Dogs.it and all dogs will have their day!!! Go to Fuc..en Hell you Menstruating Monkey!

      • Ulose

        Hey Chris Watkins and Mike Zivkovic,
        When you finally are caught and convicted of your crimes
        HERE IS MY WISH FOR THE BOTH OF YOU
        To be stripped and shackled and placed in the same cell
        and then have Bubba come in and have his way with each of you ,one at a time ,while the other watches
        You dirty bastards….what you did was the lowest of the low!

    • Jane

      Mr. Watkins;
      I am a victim too. I spoke to mishy, she just listens to my story and never ask for any personal info.
      By the way, You are a total amateur. You do not even know the procedure to be a portfolio buyer. First, You need to prove that you have 3 million cash, then the bank will assign someone to talk to you.NO EXCEPTION! Second,they will sell you a package of 5, 10 or more properties, you pretty much does not get to choose what is in there. all those properties will be around 40% off market value. Third, If mishy has at least 3 million cash in her account, you will think she would have nothing better to do but to screw a few grands from you? With the foreclosure rate we have, There is enough of deals of the centry floating all over the country, she does not need to go thru that much trouble just to get 1 foreclosure property. Mr. Watkins, or who ever you are. You are either too stupid or you are from USMB. I feel my IQ drop 50 points just to reply your post. but I need to speak out for Mishy. You are insulting everybody’s IQ here, so PPPPlease shut the hell up and never post again.

  • Mishy

    Very good news in the foreclosure world:

    http://www.nytimes.com/2010/10
    http://www.nytimes.com/2010/10

    A couple more tidbits of info:

    Something you might not know about regarding the HOPE NOW program and I’ve forgotten to mention. It has local offices all around the country. When you call the 888 number, you want to find out where the nearest office to you is and call and schedule an appointment with someone in person. This is much more efficient than just calling the hotline and speaking with different people every time. That is exactly what my boyfriend has done and there is only ONE (1) person assigned to his case! 888-995-HOPEâ„¢ 888-995-4673. Since they are so flooded, you really have to stay on them though, like call them at least a couple times a week to see where they’re at on your case. It’s held off his foreclosure so far.

    Also, as a side note, I’d like to tell you about an interesting application that Google has called ‘Google Alerts’ for those unaware. This application allows you to monitor the internet and have emails sent to you daily if certain terms or words make it in the news, or in someone’s blog, or on an advertisement, etc. And it’s free.
    For example, if you’re interested in keeping an eye on your favorite band, you simply set up an alert for ‘Rolling Stones’. Or if you want to set up an alert for, let’s say, your former loan modification specialists, say ‘Ian Tamer Kideys’ or ‘Brian Michael Kandefer’ or ‘Lauren Kerr Layton’ or ‘Mike Zivkovic’, you set up an alert and have it emailed to you at your desired frequency. It’s most helpful when you want to keep an eye on a certain topic or person. I’ve done it for all my boyfriend’s former loan modification ‘specialists’ ;)

    Have a great day, Mishy

  • Mishy

    Very good news in the foreclosure world:

    http://www.nytimes.com/2010/10/06/business/06mortgage.html
    http://www.nytimes.com/2010/10/04/business/04mortgage.html?ref=business

    A couple more tidbits of info:

    Something you might not know about regarding the HOPE NOW program and I’ve forgotten to mention. It has local offices all around the country. When you call the 888 number, you want to find out where the nearest office to you is and call and schedule an appointment with someone in person. This is much more efficient than just calling the hotline and speaking with different people every time. That is exactly what my boyfriend has done and there is only ONE (1) person assigned to his case! 888-995-HOPE™ 888-995-4673. Since they are so flooded, you really have to stay on them though, like call them at least a couple times a week to see where they’re at on your case. It’s held off his foreclosure so far.

    Also, as a side note, I’d like to tell you about an interesting application that Google has called ‘Google Alerts’ for those unaware. This application allows you to monitor the internet and have emails sent to you daily if certain terms or words make it in the news, or in someone’s blog, or on an advertisement, etc. And it’s free.
    For example, if you’re interested in keeping an eye on your favorite band, you simply set up an alert for ‘Rolling Stones’. Or if you want to set up an alert for, let’s say, your former loan modification specialists, say ‘Ian Tamer Kideys’ or ‘Brian Michael Kandefer’ or ‘Lauren Kerr Layton’ or ‘Mike Zivkovic’, you set up an alert and have it emailed to you at your desired frequency. It’s most helpful when you want to keep an eye on a certain topic or person. I’ve done it for all my boyfriend’s former loan modification ‘specialists’ ;)

    Have a great day, Mishy

  • Mishy

    The District Attorney’s fraud complaint line is pre-recorded and the citizen complaint message DOES NOT suggest that you should not leave a message if you have a complaint and live out of state.

    If someone wishes to file a complaint, they may do so by requesting a written complaint form at [email protected] or by calling the citizen complaint line at (619) 531-3552. Their office IS reviewing this case!

    For ‘Me’, all of the people I’ve spoken with personally have my contact info, cell phone and email, which is the exact same information I have on them. I won’t put that my cell phone on this very public forum. Anyone who wishes to speak with me directly can email me at [email protected].

    Mishy

  • Mishy

    I had the same thought Ryan. That’s the only thing that makes sense with all his sabotaging.

  • Ryan

    this looks just like the report I filed on ripoffreport dot com

  • Ryan

    Something tells me Druizit has something to do with USMB

  • Me

    If your gonna be such a debbie downer why don’t you just accept you got ripped off, your money taken and that you don’t really want to do anything about it and leave Mishy and the ones that want to do something about it alone. She is the only one that has stepped up to assist anyone on here.

  • Me

    I contacted the California DA’s office prior to the info Mishy posted and they sent me a letter directing me to the same contact informtion she just posted. You can file a complaint with them, they can’t send it back to your county because the fraud happened in their county.

    Mishy,
    Can you please provide your contact information to those of us you know are “real”? Not because of what Druizit has said but because you have the “real” people’s information, they should have yours as well.

  • Alberteaddy

    I met this guy Ian Kideys, He came off like he was better than every one else.This guy thinks he is the sh t so i google him.What a piece of sh t.Next time i see him. Iam going to bring up the thousands of poeple u ripped off in front of all his rich friends.

  • Alberteaddy

    I met this guy Ian Kideys, He came off like he was better than every one else.This guy thinks he is the sh t so i google him.What a piece of sh t.Next time i see him. Iam going to bring up the thousands of poeple u ripped off in front of all his rich friends.

  • Avenger

    MIKE ZIVKOVIC IS A LOW LIFE BAST__D….MIKE ZIVKOVIC IS A THEIF, CON ARTIST, LIER , A PUNK, AND A FILTY PIECE OF SH.T…….MIKE THE LAW IS GOING TO LOCK YOU UP…..YOU DIRTY F..K

  • Mishy

    Drini17, they aren’t calling people who haven’t filled out a complaint form I believe. They want the actual complaint forms all filled out so you can either call or email to get those forms. They’ll send you 2 forms.

  • Druizit

    Mishy,
    I called the number and it was stated to me that they will not returm phone calls and if you don’t reside in San Diego County there is nothing that they can do but forward it to the county I live in. You keep giving false information when you are not involved or damaged what so ever. Stop with your lies of a class action law suit and useless information, it all seems to lead to dead end. It makes you wonder what your true intentions are.

  • Druizit

    Mishy,
    I called the number and it was stated to me that they will not returm phone calls and if you don’t reside in San Diego County there is nothing that they can do but forward it to the county I live in. You keep giving false information when you are not involved or damaged what so ever. Stop with your lies of a class action law suit and useless information, it all seems to lead to dead end. It makes you wonder what your true intentions are.

  • Avenger

    Mike Zivkovic is a low life Bast–d. He a punk, a theif, liar, and a con artist..He may not know it yet but his career in this field and his reputation is about to collapse.Mike if you are reading this…. soon you will be all washed up. All these people that you took advantage of will see your filty fking face in court. Expect to spend sometime in jail for your despicable acts.

  • Drini17

    Tried to call and they aren’t taking any phone numbers for a call back.

  • Mishy

    VERY IMPORTANT EVERYONE!

    Anyone who wants to file a complaint against USMB, and have their case investigated, PLEASE either:

    >> call (619) 531-3552 OR
    >> send an email to [email protected]
    AND request a complaint form.

    It’s San Diego’s Real Estate Fraud office and they are very aware! So get them in as soon as humanly possible!
    Mishy

  • Mishy

    VERY IMPORTANT EVERYONE!

    Anyone who wants to file a complaint against USMB, and have their case investigated, PLEASE either:

    >> call (619) 531-3552 OR
    >> send an email to [email protected]
    AND request a complaint form.

    It’s San Diego’s Real Estate Fraud office and they are very aware! So get them in as soon as humanly possible!
    Mishy

    • Drini17

      Tried to call and they aren’t taking any phone numbers for a call back.

      • Mishy

        Drini17, they aren’t calling people who haven’t filled out a complaint form I believe. They want the actual complaint forms all filled out so you can either call or email to get those forms. They’ll send you 2 forms.

    • MKW

      I hav4 swe3nt in my info to the Real Estate board, without a license, he’ll be outta’ business (under his own name, anyway).

      • MKW

        OK can’t type today, should be “have sent”

  • Tatonkaland

    Obama’s Mortgage Modification Program.
    I was told by the employee who contacted
    me, Mike Zivkovic emaile [email protected] Pelligrini, that they were associated with the program. He told me for
    3000, paid up front, that they would get me a loan
    modification
    with a max interest rate of 2.5 to4.5% and/or a principal reduction guaranteed. I was
    told to stop making my house payment because the bank wouldn’t work with me if I
    was current. He also told me to not communicate with the bank but direct their
    phone calls to him and his company. This started in late D February 2010, by August 2010 I was in foreclosure and had 30 days to pay the past
    due amount off or I would lose my home.
    They did nothing to contact the bank on my behalf, when I spoke to the bank in June, they had no record of correspondence from usmortgagebailout. I have been
    asking for my money back since July and they have not returned one phone call or email and I ran through every extension to find someone to get a live person to refund me. They
    will not return my phone calls or emails. I filled out the paperwork for making
    homes affordable and submitted it to the bank in June. I have heard nothing
    more form this company and I’ve lost out on $3000 dollars
    that I also need badly right now to move and find a new place to live. Not to mention they ruined any credit I had and renting has become a nightmare. Embarrassed and humilated and hurt and fustrated to the point of a nevous breakdown. How could these people be so cruel. I really do not have any money left and no one to turn to for help. I have lost everything invludin my dignity because of these people –
    I feel so stupid right now

  • Tatonkaland

    Obama’s Mortgage Modification Program.
    I was told by the employee who contacted
    me, Mike Zivkovic emaile [email protected] Pelligrini, that they were associated with the program. He told me for
    3000, paid up front, that they would get me a loan
    modification
    with a max interest rate of 2.5 to4.5% and/or a principal reduction guaranteed. I was
    told to stop making my house payment because the bank wouldn’t work with me if I
    was current. He also told me to not communicate with the bank but direct their
    phone calls to him and his company. This started in late D February 2010, by August 2010 I was in foreclosure and had 30 days to pay the past
    due amount off or I would lose my home.
    They did nothing to contact the bank on my behalf, when I spoke to the bank in June, they had no record of correspondence from usmortgagebailout. I have been
    asking for my money back since July and they have not returned one phone call or email and I ran through every extension to find someone to get a live person to refund me. They
    will not return my phone calls or emails. I filled out the paperwork for making
    homes affordable and submitted it to the bank in June. I have heard nothing
    more form this company and I’ve lost out on $3000 dollars
    that I also need badly right now to move and find a new place to live. Not to mention they ruined any credit I had and renting has become a nightmare. Embarrassed and humilated and hurt and fustrated to the point of a nevous breakdown. How could these people be so cruel. I really do not have any money left and no one to turn to for help. I have lost everything invludin my dignity because of these people –
    I feel so stupid right now

    • Avenger

      Mike Zivkovic is a low life Bast–d. He a punk, a theif, liar, and a con artist..He may not know it yet but his career in this field and his reputation is about to collapse.Mike if you are reading this…. soon you will be all washed up. All these people that you took advantage of will see your filty fking face in court. Expect to spend sometime in jail for your despicable acts.

      • Jhushky

        Hey Avenger,
        I was also taken advantage of by Mr Zivkovic. Just to update you, The FBI has
        Mike Zivkovics name, address, phone number and his picture.I wish I was there to see his face when the FBI comes to the office that he works at now, and takes him away in cuffs in front of all of his associates. Thats worth more then the money he stole

    • Ryan

      this looks just like the report I filed on ripoffreport dot com

    • MKW

      Have you asked your mortgage holder for a modification? Miner offered me one on their own.

  • Druizit

    Let’s leave it at that, that you will not come out on who you are and that you have no law firm that’s filing a class action. That you are simply a bored person and this is the excitement of your life. I truly hope you are not taking advantage of the people on this Blog.
    I will not waiste anymore time with someone who hides and makes up lies in order to profit on our behalf.

  • Mishy

    Oops, that’d be riddance ;)

  • Mishy

    Wow, I believe there is something seriously wrong with you. No more posts for you, good riddens.

  • Druizit

    I hope I never become as bored and empty as you to be waisting time on something I have nothing to do with, if that’s how sad your life has become.

    If your goals are truly good, please let everyone on this blog know who you are and what law firm you are working with.

    If you are not selling our information, you need to come out whith this info, otherwize you are just scamming victime at your benefit.

    Your refusal to post who you are and what law firm only confirms that you are not doing this out of the good of your heart. You can’t give this information out since you are a scam as well.

  • Mishy

    Maybe someday you will be lucky enough in your lifetime Druizit to meet someone like me who doesn’t need to have been directly monetarily damaged to care about what’s happened here to the hundreds of people, in order to do something about it. Only then will you understand and believe.

  • pki

    BTW, I develop websites. It’s my job. http://www.digitaldesigndev.co… See what I did to AvidHosting at Avidhosting.org? I helped put them out of business! And added to Ernesto Haberli’s worst nightmare! So keep changing the name of your company, USMB. I’ll get them all eventually. And WWW here we come!!!

  • Pki

    Who cares if they read the blog! I hope they do! They screwed enough people for a lifetime! And they’ll just go out and do it again under a different company name. They’ve done it before; they’ll do it again!

  • Drini17

    Selling what info? She only has my email address and phone number…she knows nothing else about me. Yes she has given me her real name. She has given me attorney’s names she has been in contact with and everything has checked out…if you don’t believe, handle it yourself. If you want to help and want our help hop on!

  • Drini17

    This is interesting…
    http://www.avvo.com/attorneys/
    copy and paste that and get all the info you need on one the attorney for USMB to “help” with the loan mods!

  • Drini17

    This is interesting…
    http://www.avvo.com/attorneys/30096-ga-prudence-bolden-459412.html
    copy and paste that and get all the info you need on one the attorney for USMB to “help” with the loan mods!

  • Drini17

    I have spoke to her on the phone…I find it hard to believe she is doing anything besides being honest. Believe me, I am having a hard time trusting anyone at this point in time. Her intentions seem sincere in our phone conversation and she new of other cases and advised us to fill out complaint forms with the proper organizations.

  • Druizit

    Mishy,

    Come on Granstanding you need to look in the mirror. You have had by your addmission no business with US Mortgage Bailout, you have no damages or losses or in any associated with these companies, So why do you spend so much time and energy on this. Like you said Grandstanding and Stirring the pot at best. I belive you are simply are taking advantage of us victims by selling our information to Residential Law Center so that they can call and solicit us once again. Shame on you.

  • Druizit

    Has Mishy given you the name of the Law Firm that is filing a class action?
    Has Mishy given you her real name?
    Has Mishy disclosed to you that she is not a party what so ever with this entire blog.
    has Mishy disclosed why she is selling our information.

    Probably not, because she is benefiting at our expense and there is no class action law suit!

  • Jack

    It’s not hard to contact her- I spoke to her this morning. If you don’t trust her then go about it on your own.

  • Jack

    In Mishy’s defense, I just spoke with her this morning and she did not ask for any personal information such as address, phone # etc. As a matter of fact, all she did was listen to my story and I could tell she was making sure I was not apart of USMB which is understandable. It’s unfortunate those who are trying to help, have to help/protect themselves, as well, in this matter.

  • Jack

    Is there anything that can be done in Texas?!

  • Jack

    I was scammed. My husband and I are responsible homeowners that needed assistance in lowering our mortgage because our interest rate is to high. We pay our mortgage on time and is priority so we are not blaming USMB for foreclosures, or losing our house because we still have our home. We tried to USMB to help us lighten the mortgage load but what most people , including myself, on this forum are upset about is that USMB offered a service that they did not fulfill!! We payed them to do a loan modification and they did not! They wasted a year of my time, and took 2500 (all of our savings). So tell me, what blame do I have??? Other than the obvious-trusting USMB!

  • Jack

    I have my contract with USMB. I actually kept one and a copy and sent another one signed to them back in Jan ’10.

  • Mishy

    There’s something to be said for you not contacting me directly if you’re that curious.
    I call it grandstanding, or in other words, stirring the pot.

  • Druizit

    Mishy,

    A couple of us victims have been on this forum requesting that you stop hiding and disclose to us your name and law firm that you are working with.
    How conveniant that you do not respond but keep posting on this forum as if we had not requested your name, address, phone number, and most importantly which law firm you are working with.

    Once again you are not a victim and have no relationship what so ever with the people that have been damaged.

    It seems you are profiting by selling our information.

    I have spoke to many lawyers intrying to recoup my losses and every attorney that I have spoken to tells me the same thing, that even if we win in court it will next to impossible to collect from a company that is out of business.

    Mishy, what are your intentions, please diclose who you are; if you want us to believe you.
    If you want us to take you seriously you need to be upfront, not hiding.

    If you do not want to reveal yourself at a minimum which law firm or lawyer is working on this class action suit.

    I would like to participate but don’t believe anything you say.

  • Druizit

    Mishy,

    A couple of us victims have been on this forum requesting that you stop hiding and disclose to us your name and law firm that you are working with.
    How conveniant that you do not respond but keep posting on this forum as if we had not requested your name, address, phone number, and most importantly which law firm you are working with.

    Once again you are not a victim and have no relationship what so ever with the people that have been damaged.

    It seems you are profiting by selling our information.

    I have spoke to many lawyers intrying to recoup my losses and every attorney that I have spoken to tells me the same thing, that even if we win in court it will next to impossible to collect from a company that is out of business.

    Mishy, what are your intentions, please diclose who you are; if you want us to believe you.
    If you want us to take you seriously you need to be upfront, not hiding.

    If you do not want to reveal yourself at a minimum which law firm or lawyer is working on this class action suit.

    I would like to participate but don’t believe anything you say.

    • Mishy

      There’s something to be said for you not contacting me directly if you’re that curious.
      I call it grandstanding, or in other words, stirring the pot.

      • Druizit

        Mishy,

        Come on Granstanding you need to look in the mirror. You have had by your addmission no business with US Mortgage Bailout, you have no damages or losses or in any associated with these companies, So why do you spend so much time and energy on this. Like you said Grandstanding and Stirring the pot at best. I belive you are simply are taking advantage of us victims by selling our information to Residential Law Center so that they can call and solicit us once again. Shame on you.

      • Mishy

        Maybe someday you will be lucky enough in your lifetime Druizit to meet someone like me who doesn’t need to have been directly monetarily damaged to care about what’s happened here to the hundreds of people, in order to do something about it. Only then will you understand and believe.

      • Druizit

        I hope I never become as bored and empty as you to be waisting time on something I have nothing to do with, if that’s how sad your life has become.

        If your goals are truly good, please let everyone on this blog know who you are and what law firm you are working with.

        If you are not selling our information, you need to come out whith this info, otherwize you are just scamming victime at your benefit.

        Your refusal to post who you are and what law firm only confirms that you are not doing this out of the good of your heart. You can’t give this information out since you are a scam as well.

      • Mishy

        Wow, I believe there is something seriously wrong with you. No more posts for you, good riddens.

      • Mishy

        Oops, that’d be riddance ;)

      • Ryan

        Something tells me Druizit has something to do with USMB

      • Mishy

        I had the same thought Ryan. That’s the only thing that makes sense with all his sabotaging.

      • Druizit

        Let’s leave it at that, that you will not come out on who you are and that you have no law firm that’s filing a class action. That you are simply a bored person and this is the excitement of your life. I truly hope you are not taking advantage of the people on this Blog.
        I will not waiste anymore time with someone who hides and makes up lies in order to profit on our behalf.

    • Jack

      It’s not hard to contact her- I spoke to her this morning. If you don’t trust her then go about it on your own.

      • Druizit

        Has Mishy given you the name of the Law Firm that is filing a class action?
        Has Mishy given you her real name?
        Has Mishy disclosed to you that she is not a party what so ever with this entire blog.
        has Mishy disclosed why she is selling our information.

        Probably not, because she is benefiting at our expense and there is no class action law suit!

      • Drini17

        Selling what info? She only has my email address and phone number…she knows nothing else about me. Yes she has given me her real name. She has given me attorney’s names she has been in contact with and everything has checked out…if you don’t believe, handle it yourself. If you want to help and want our help hop on!

    • Drini17

      I have spoke to her on the phone…I find it hard to believe she is doing anything besides being honest. Believe me, I am having a hard time trusting anyone at this point in time. Her intentions seem sincere in our phone conversation and she new of other cases and advised us to fill out complaint forms with the proper organizations.

  • Mishy

    I’m still here rounding up victims….

    Owners:
    Ian Tamer Kideys
    Brian Michael Kandefer
    Lauren Kerr Layton

    Employees:
    1.Melissa Mendoza
    2.Prudence June Bolden
    3.Christy Comyns
    4.Mark Kriesel
    5.Avivah Chipps
    6.Jeramiah Fell
    7.Justin Maloni
    8.Justin Miller
    9.Mike Zivkovic
    10.Cinithia Salazar (Cyntia)
    11.Karina Gutierrez
    12.Jason Kameya
    13.Russell Hollowell
    14.Mark Connelly
    15.Kyle Connell
    16.Gerardo (Gerry) Carrillo
    17.Ian R Pellegrini
    18.Mathieu Pollenz
    19.Jayson Costa
    20.Timothy Fennell
    21.D. Matthew Fry
    22.Brandon Zata
    23.Ester Han
    24.Steve Rochambeau
    25.Annette Cade
    26.Mark S. McDonald
    27.James S. Carmody

    Do not trust Krypton Management Inc. or Krypton Marketing Inc.

  • Mishy

    I’m still here rounding up victims….

    Owners:
    Ian Tamer Kideys
    Brian Michael Kandefer
    Lauren Kerr Layton

    Employees:
    1. Melissa Mendoza
    2. Prudence June Bolden
    3. Christy Comyns
    4. Mark Kriesel
    5. Avivah Chipps
    6. Jeramiah Fell
    7. Justin Maloni
    8. Justin Miller
    9. Mike Zivkovic
    10. Cinithia Salazar (Cyntia)
    11. Karina Gutierrez
    12. Jason Kameya
    13. Russell Hollowell
    14. Mark Connelly
    15. Kyle Connell
    16. Gerardo (Gerry) Carrillo
    17. Ian R Pellegrini
    18. Mathieu Pollenz
    19. Jayson Costa
    20. Timothy Fennell
    21. D. Matthew Fry
    22. Brandon Zata
    23. Ester Han
    24. Steve Rochambeau
    25. Annette Cade
    26. Mark S. McDonald
    27. James S. Carmody

    Do not trust Krypton Management Inc. or Krypton Marketing Inc.

    • Tamed

      Apart for the first three names the rest are just made up names used by the three owners, I imagine.

  • USMB Krypton Rival

    oooooooooowwwweeeeeeeeeeeeee do we got a lyin fool or a fool in denial!

  • R U CRAZY

    You do know that USMB is reading this blog and posting on it!!!!

  • MKW

    Glad to hear it, unfortunately I live in IL and our AG isn’t interested in any of this, period, I filed with CA AG, FTC, etc.

  • MKW

    As of today, none of the published phone numbers are working numbers, anyone have one that is?

  • MKW

    So, what’s your email, Justin?

  • MKW

    ROTF tsunami.. . . please answer my email, since I’m at home 24/7 a victim of downsizing and age related discrimination in the job market, and my husband is retired, I can help you any way you need!!

  • MKW

    Original rep Tim Fennell, then this Melissa Mendez – person. They need to be added to any list so that all defendants’ names are on a suit.

  • MKW

    NONE of us can “afford” to come to CA, I prefer to let the CA attorney general, and the FTC do their thing.

  • MKW

    I sent you my email addy, hope to hear from you soon.

  • MKW

    So where is my refund? I was paid in full for months, Wells Fargo has no record of anyone ever contacting them from USMB. . . . nNow that your phones are shut off how are we to reach you?

  • MKW

    Yeah, right, your phones are shut off, you have our money and now you’re gone . . .

  • MKW

    YOU sound like a company man to me, I can’t imagine any attorney who can’t pay his bills when you charge $150 -250 and hour to your clients. If you need a modification perhaps you’re living above your means. We were pentioned out, unemployed and retired.

  • MKW

    Hardly, evidently you were one of the lucky “100′s” they’ve helped, what about the thousands of us they refuse to refund???

  • MKW

    I also filed with the States Attorney in CA for county of San Diego. Also FTC. Curious, did everyone BUT me get a copy of the contract back?? All I have are bank statements showing the amounts they withdrew from the account.

  • MKW

    our original “rep” was Tim Fennell, who supposedly quit in May. . . .

  • MKW

    So how do we reach you in order to bolster an attack, legally?

  • MKW

    all phone numbers are disconnected. . . .
    I have filed with CA attorney general, BBB and the FTC, any class action suits??? Thery have not filed for bankruptcy under US Mortgage Bailout or K2 Capital Management. Their office is not occupied, per the local La Jolla PD. Anyone have a lead on where they moved?

  • PLMCFALL

    This is da one dat had me so confused and frustrated me till now after he took my money and in his letters before hre took mah money is 100% money back gurrentee ,,,now I’m still waitin for mah refund cos mah has not been modified yet , never hear from him again ,,,I hope maybe someday I meet dis guy face to face……

  • Drini17

    In reference to what Jokerzig?

  • Rochockitony

    us mortgage bailout scammed me class action suit

  • Rochockitony

    us mortgage bailout scammed me class action suit

  • homeless in MA

    you people at USMB are the real thieves!!!! I never got my refund from you~ you sent a check to me BUT THEN YOU STOPPED PAYMENT ON IT!!!!!!!! I can only hope & pray that you and your former employees get completely ripped off just like I did!!! We did lose our house & to pour salt on the wound you kept my $3000. I hope some day karma bites you in the ass!!!

  • eye4aneye
  • Mishy

    eye4aneye, Victor Klotz’s email came back invalid. I know he worked on the Mark Kriesel (Minnesota) scam but is he working on this now?

    It’s Mike Zivkovic and Kyle Connell
    Also, I have a lot more employee names and info if you’d like to collaborate.
    Thanks, Mishy [email protected]

  • RLSPC
  • Pissed off Kim !!!

    To Exusmb
    You are responsible, YOU ARE AN ACCOMPLICE TO THE CRIME THAT WAS COMMITTED ON ALL OF US. NOW IF YOU REALLY BEEN SCREWED LIKE WE’VE BEEN SCREWED THEN POST EVERYTHING YOU KNOW ABOUT UR BOSSES ON HERE!!!!!!

  • Avenger

    Hello Exusmb,
    You think you got screwed….The crimes you committed along with your bosses will not go unpunished…..Now whos squirming? You and your bosses knew exactly what you were doing…and now….you will face the judge and the jury…..See your sorry butts soon!

  • eye4aneye

    The fact is that every employee or 1099 person who was involved in in THE LOAN MOD FRAUD by taking money over the phone, wire transfer or thru the mail over state

    lines is a state felony and federal crime.
    Fact:
    Aug 2009 it was required for all to to post $100,000 bond and to register with his office. Where is your bond? Why is your name not registered?

    Fact:

    Oct 11 2009 Senate Bill 94 which prohibits any person, including real estate licensees and lawyers, from demanding, charging, or collecting an advance fee from a

    consumer for loan modification or mortgage loan forbearance services.

    Ignorance of the law is no excuse

    Fact:

    Melissa Mendoza [email protected] DRE Lic 01331771 6390 RANCHO MISSION RD #209 SAN DIEGO, CA 92108

    Prudence Bolden [email protected] Never licensed

    Christy Comyns [email protected] expired Lic 10/14/09 01517605 819 CATHY LN CARDIFF BY THE SEA, CA 92007

    Mark Kriesel [email protected] Never Licensed and is under investigation by the San Diego Economics Crime Division for previous loan modification fraud

    3726 mykonos #145 San Diego, California 92130 858-342-5755

    Avivah Chipps [email protected] Never Licensed

    Jeramiah Fell [email protected] Never Licensed Formally worked at Expedia which also was shut down for loan mod fraud

    Justin Maloni [Malone] Never Licensed

    Justin Miller DRE Lic 01860832 3336 FONTANA SAN DIEGO, CA 92117

    Mike [Zipkivic] or Mike [Zivkovic] Never Licensed

    Jason Kameya [email protected] Never Licensed

    Russell Hollowell rhollowell@ usmortgagebailout.com Suspended Licensed 01775690 10935 VISTA SORRENTO PARKWAY SUITE #200 SAN DIEGO, CA 92198

    Mark Connelly [Connely] Expired License 00820098 1798 SAGE AVE LOS OSOS, CA 93402

    Kyle Connel or Kyle O’Connell Never Licensed

    Please contact

    San Diego Economics Crime Unit
    Detective Victor Klotz
    619-531-3920
    [email protected]

    http://ag.ca.gov/contact/compl

    Loan Mod Fraud complaint line 1-800-952-5225 or (916) 227-0770

  • eye4aneye

    The fact is that every employee or 1099 person who was involved in in THE LOAN MOD FRAUD by taking money over the phone, wire transfer or thru the mail over state

    lines is a state felony and federal crime.
    Fact:
    Aug 2009 it was required for all to to post $100,000 bond and to register with his office. Where is your bond? Why is your name not registered?

    Fact:

    Oct 11 2009 Senate Bill 94 which prohibits any person, including real estate licensees and lawyers, from demanding, charging, or collecting an advance fee from a

    consumer for loan modification or mortgage loan forbearance services.

    Ignorance of the law is no excuse

    Fact:

    Melissa Mendoza [email protected] DRE Lic 01331771 6390 RANCHO MISSION RD #209 SAN DIEGO, CA 92108

    Prudence Bolden [email protected] Never licensed

    Christy Comyns [email protected] expired Lic 10/14/09 01517605 819 CATHY LN CARDIFF BY THE SEA, CA 92007

    Mark Kriesel [email protected] Never Licensed and is under investigation by the San Diego Economics Crime Division for previous loan modification fraud

    3726 mykonos #145 San Diego, California 92130 858-342-5755

    Avivah Chipps [email protected] Never Licensed

    Jeramiah Fell [email protected] Never Licensed Formally worked at Expedia which also was shut down for loan mod fraud

    Justin Maloni [Malone] Never Licensed

    Justin Miller DRE Lic 01860832 3336 FONTANA SAN DIEGO, CA 92117

    Mike [Zipkivic] or Mike [Zivkovic] Never Licensed

    Jason Kameya [email protected] Never Licensed

    Russell Hollowell rhollowell@ usmortgagebailout.com Suspended Licensed 01775690 10935 VISTA SORRENTO PARKWAY SUITE #200 SAN DIEGO, CA 92198

    Mark Connelly [Connely] Expired License 00820098 1798 SAGE AVE LOS OSOS, CA 93402

    Kyle Connel or Kyle O’Connell Never Licensed

    Please contact

    San Diego Economics Crime Unit
    Detective Victor Klotz
    619-531-3920
    [email protected]

    http://ag.ca.gov/contact/complaint_form.php?cmplt=CL

    Loan Mod Fraud complaint line 1-800-952-5225 or (916) 227-0770

  • exusmb

    i dont understand why you guys are so intent on holding employees accountable when we did not control the money. We were let go out of the blue and screwed as well

  • exusmb

    i dont understand why you guys are so intent on holding employees accountable when we did not control the money. We were let go out of the blue and screwed as well

    • Avenger

      Hello Exusmb,
      You think you got screwed….The crimes you committed along with your bosses will not go unpunished…..Now whos squirming? You and your bosses knew exactly what you were doing…and now….you will face the judge and the jury…..See your sorry butts soon!

    • Pissed off Kim !!!

      To Exusmb
      You are responsible, YOU ARE AN ACCOMPLICE TO THE CRIME THAT WAS COMMITTED ON ALL OF US. NOW IF YOU REALLY BEEN SCREWED LIKE WE’VE BEEN SCREWED THEN POST EVERYTHING YOU KNOW ABOUT UR BOSSES ON HERE!!!!!!

  • Jennyjoe77

    When you Google USMB now and their link comes up it say that all work on both former and existing customers have ceased. Of course there is nothing about refunds. WTF man I hate these people.

  • Jennyjoe77

    When you Google USMB now and their link comes up it say that all work on both former and existing customers have ceased. Of course there is nothing about refunds. WTF man I hate these people.

  • Robert

    I called in to USMB about several weeks ago and it was very odd I kept getting redirected to the Residential Law Center, but after I entered the extension of the person I had been dealing with at USMB a lady answered. She actually gave me what I thought was very promising status of the name of the underwriter with BoA and that the lender would contact me if they needed anything else. I received a packet in the mail yesterday from Bank of America asking me to fill out the same paperwork that we filled out in April. So, like a good client I called today and the number had been disconnected not even the redirect I got just a short time ago. So, I did some sleuthing and found this Residential Law Center on line, called them and shocker they don’t have a case for me now. Albeit I did have some success with USMB in that my secondary mortgage got modified last spring, but it has been a year, still nothing on my primary loan, but a new chapter to write in the saga.

  • http://twitter.com/LifeWithBob Robert

    I called in to USMB about several weeks ago and it was very odd I kept getting redirected to the Residential Law Center, but after I entered the extension of the person I had been dealing with at USMB a lady answered. She actually gave me what I thought was very promising status of the name of the underwriter with BoA and that the lender would contact me if they needed anything else. I received a packet in the mail yesterday from Bank of America asking me to fill out the same paperwork that we filled out in April. So, like a good client I called today and the number had been disconnected not even the redirect I got just a short time ago. So, I did some sleuthing and found this Residential Law Center on line, called them and shocker they don’t have a case for me now. Albeit I did have some success with USMB in that my secondary mortgage got modified last spring, but it has been a year, still nothing on my primary loan, but a new chapter to write in the saga.

  • Druizit

    I agree with Wantrefundfromusmb, MISHY it seems there are many more who don’t trust you.
    More importantly I believe you profiting from our misfortune, selling our information to other modification companies. You need to come out with your real name, phone #, address, and the law firm you are working with.

    You seem to be very aggressive and hostile for somebody who is not been affected with any type of loss.

  • Druizit

    I agree with Wantrefundfromusmb, MISHY it seems there are many more who don’t trust you.
    More importantly I believe you profiting from our misfortune, selling our information to other modification companies. You need to come out with your real name, phone #, address, and the law firm you are working with.

    You seem to be very aggressive and hostile for somebody who is not been affected with any type of loss.

  • Ryan Ramage

    Already ahead of you on that Steve. I have complaints against USMB filed with the California and Ohio AG’s since last week.

  • Wantrefundfromusmb

    Mishy –
    Please state your full name, your law credentials, if any, and why I should email you w/ my personal info in order to get a class action lawsuit in the works. I don’t trust you and why would I? As you have stated to others, you have nothing to lose, do you? Therefore, give a phone number, your address, real name, and some public info as to what law firm you are thinking to represent “scammed” USMB customers. Quit hiding behind your email address. Those scammed would come out of the woodwork as a collective whole if they had someone to truely trust that, apparently as you have stated in prior blogs, you have not been personally impacted by the USMB scam. HELP US TRUST YOU…THE BALL IS IN YOUR COURT

  • Wantrefundfromusmb

    Mishy –
    Please state your full name, your law credentials, if any, and why I should email you w/ my personal info in order to get a class action lawsuit in the works. I don’t trust you and why would I? As you have stated to others, you have nothing to lose, do you? Therefore, give a phone number, your address, real name, and some public info as to what law firm you are thinking to represent “scammed” USMB customers. Quit hiding behind your email address. Those scammed would come out of the woodwork as a collective whole if they had someone to truely trust that, apparently as you have stated in prior blogs, you have not been personally impacted by the USMB scam. HELP US TRUST YOU…THE BALL IS IN YOUR COURT

    • R U CRAZY

      You do know that USMB is reading this blog and posting on it!!!!

      • Pki

        Who cares if they read the blog! I hope they do! They screwed enough people for a lifetime! And they’ll just go out and do it again under a different company name. They’ve done it before; they’ll do it again!

  • Wantrefundfromusmb

    So Prudence, what are you saying “yes” too?…that “Justin” is Justin Miller?… or are simply stating that WTH?? is you?…and who is “he”?…please clarify.

  • Wantrefundfromusmb

    JUSTIN MILLER – Please respond to this blog message…it was YOU that convinced me that I would qualify for a loan mod., and if in the rare occurence I would not qualify, USMB would refund the $2995.00. Now, is it you or someone else that is responsible for refunding my money? You were pretty convincing w/ your intake interview way back in 4/2009, and since then you were a ghost only hearing you to tell me that I call your company too many times to get info and that was annoying…are you willing to stand by your initial presentation and admit fault? You are as guilty as your supervisors, and there is no excuse you can give all of us that you scammed, a different perspective.

  • Wantrefundfromusmb

    JUSTIN MILLER – Please respond to this blog message…it was YOU that convinced me that I would qualify for a loan mod., and if in the rare occurence I would not qualify, USMB would refund the $2995.00. Now, is it you or someone else that is responsible for refunding my money? You were pretty convincing w/ your intake interview way back in 4/2009, and since then you were a ghost only hearing you to tell me that I call your company too many times to get info and that was annoying…are you willing to stand by your initial presentation and admit fault? You are as guilty as your supervisors, and there is no excuse you can give all of us that you scammed, a different perspective.

  • Pissed off Kim!!!

    ITS TOO MANY OF US, ON HERE THAT GOT TAKEN BY THESES A$# HOLES!!!! I’M READY TO TAKE ACTION. PEOPLE ONLY GET AWAY WITH WHAT YOU LET THEM. A CLOSED MOUTH DON’T GET FEDD!!! THE ONLY WAY FOR US TO GET OUR MONEY BACK IS TO ALL WORK TOGETHER. MISHY, I SURE HOPE U CAN HELP! I WILL BE EMAILING YOU TONIGHT!

  • Pissed off Kim!!!

    ITS TOO MANY OF US, ON HERE THAT GOT TAKEN BY THESES A$# HOLES!!!! I’M READY TO TAKE ACTION. PEOPLE ONLY GET AWAY WITH WHAT YOU LET THEM. A CLOSED MOUTH DON’T GET FEDD!!! THE ONLY WAY FOR US TO GET OUR MONEY BACK IS TO ALL WORK TOGETHER. MISHY, I SURE HOPE U CAN HELP! I WILL BE EMAILING YOU TONIGHT!

  • Mishy

    The only information of theirs that I have is their email addresses and phone numbers and I am not in the business of selling people’s information. USMB and RLC have the same client data files as each other, which would surely explain why they were contacted by RLC.

    Your assumption is very far from the truth and you are ruining everyone else’s chance of joining in on a class-action. Do you not realize the guilty parties are reading this forum regularly?
    So unless you know something to be true, please stop causing unnecessary roadblocks with your banter.
    And by the way, my friend is also in the midst of losing his home!

  • Druizit

    Mishy,

    The reason that I am suggesting that you are an agent of Residential Law Center and selling our information is due to the fact that a person on this forum that gave you their information was then solicited shortly there after by Residential Law center to bring them on as a customer. Most of us have lost our homes and lives please don’t make things worse by profiting at our expense.

  • Druizit

    Mishy,

    The reason that I am suggesting that you are an agent of Residential Law Center and selling our information is due to the fact that a person on this forum that gave you their information was then solicited shortly there after by Residential Law center to bring them on as a customer. Most of us have lost our homes and lives please don’t make things worse by profiting at our expense.

    • Mishy

      The only information of theirs that I have is their email addresses and phone numbers and I am not in the business of selling people’s information. USMB and RLC have the same client data files as each other, which would surely explain why they were contacted by RLC.

      Your assumption is very far from the truth and you are ruining everyone else’s chance of joining in on a class-action. Do you not realize the guilty parties are reading this forum regularly?
      So unless you know something to be true, please stop causing unnecessary roadblocks with your banter.
      And by the way, my friend is also in the midst of losing his home!

    • Jack

      In Mishy’s defense, I just spoke with her this morning and she did not ask for any personal information such as address, phone # etc. As a matter of fact, all she did was listen to my story and I could tell she was making sure I was not apart of USMB which is understandable. It’s unfortunate those who are trying to help, have to help/protect themselves, as well, in this matter.

  • Mishy

    I’m confused, generate money? I’d love to hear how you came about this conclusion. Every single person that’s been in contact with me & vice versa from this forum will attest to the fact that I have nothing to gain but to help group together to do something about these people.
    And you are correct, I was not a ‘customer’ of theirs, my friend was, a fact I’ve been frank about to everyone.

  • Druizit

    Mishy,

    Are you an agent of US Mortgage Bailout or Residential Law Center? As I understand it you were not a customer of either company. It seems that your motivation is not simply to help people but to generate money for yourself at the expense of all us who have lost money.
    To all customers who have been damaged do not give your personal information up to people on this BLOG. It seems that they are selling this information to other companies that will call and solicit you.

  • WTH??

    Okay will do. Will instead wait for the notice to appear in court. Thanks for the advice.

  • Usmb Krypton Rival

    Prudy girl, why don’t you take your complete lack of respect for this forum and what’s actually happened here and leave! You’ll soon have your day to try and lie your way out of court. You sound like a 20-year old juvenile who’s just aching to meet her match, and you’re 45 years stupid. Aren’t you keeping busy enough with your cohorts?

  • Avenger

    Hey Prudence,
    Sleep with one eye open…The law is on your tail…..

  • Avenger

    Nah,
    Thats not called a lawyer its called a LIAR!

  • amitftkd

    A lot of what you wrote is inconsistent and untrue. At what point did the company stop taking clients?
    My husband and I started the process w/USMB in April ’10, he questioned the agent on requiring $$ up front, the response to this was…USMB is not a broker and because there is legal representation it’s allowable.
    -Why would they continue to take $$ from innocent people in despair knowing the company was on the verge of bankruptcy?
    There seems something consistent here:
    -the payment is automatically withdrawn from the clients acct,
    -once the payments are made USMB no longer responds to the clients.
    We WERE told verbally from these hard working people that we could skip a payment or two, that it actually made a better case with our lender, which now we know is part of appeal to lure people in. Some people might still be in their homes today if they were not given that advice.
    We were told the process would take about 3 mths, over the course of the 3 mths we called to check on the status of our case, we were told it was in “negotiations”. We started to get suspicious and called our lender, like some of the others our lender never had any record of USMB communicating with them. We asked USMB for some documentation from our file, the only thing they came up with was a log (I’m sure created in between not taking our calls). We also noticed our agent had a few different company email addresses, which I will retrieve and pass along. So all along we were lied to, nothing was filed w/the lender. Shortly after the agent was no longer with the company and the new one has not responded to our phone calls and emails to this date. Looks like they are not helping the last few clients. Luckily once we started to suspect something was wrong we did all we could and paid our mortgage up to date. We will be seeking legal representation to get our hard earned $3000 back.
    I agree the threats are not the answer but I can understand why people are so upset, it’s a horrible thing to happen to a family.

  • amitftkd

    I think it’s clear from all these post you will never get anything for the money you’ve paid so far. I would put a stop on any future payments asap.

  • WTH??

    WOW that is clever.

  • Usmb Krypton Rival

    What do they call a lawyer that graduated at the bottom of their class? A lawyer

  • Mishy

    Got it!

  • WTH??

    What exactly did I allow to happen in front of me?

  • WTH??

    Yes and I know because he sent an email which he cc’d me and others on for some reason with pretty much the same verbage.

  • Usmb Krypton Rival

    So Justin, Prudence was innocent? And is your real name Justin?
    And why would Prudence, who is a law-abiding ATTORNEY, no matter WHERE in the frickin world she’s an attorney, allow all that to happen in front of her? This is all crazy! The truth will come out eventually!!

  • Mishy

    Any other former employees out there who got waxed by these people that want to get the pay they owe you and help out the tens, maybe hundreds of people they stole money from?
    You’re probably going to have to talk to someone at some point anyway.

    Email me to clear your name, get what is owed to you and help all these victims get their hard earned money back from these parasites.

    [email protected] Mishy ;)

  • Mishy

    Any other former employees out there who got waxed by these people that want to get the pay they owe you and help out the tens, maybe hundreds of people they stole money from?
    You’re probably going to have to talk to someone at some point anyway.

    Email me to clear your name, get what is owed to you and help all these victims get their hard earned money back from these parasites.

    [email protected] Mishy ;)

    • Druizit

      Mishy,

      Are you an agent of US Mortgage Bailout or Residential Law Center? As I understand it you were not a customer of either company. It seems that your motivation is not simply to help people but to generate money for yourself at the expense of all us who have lost money.
      To all customers who have been damaged do not give your personal information up to people on this BLOG. It seems that they are selling this information to other companies that will call and solicit you.

      • Mishy

        I’m confused, generate money? I’d love to hear how you came about this conclusion. Every single person that’s been in contact with me & vice versa from this forum will attest to the fact that I have nothing to gain but to help group together to do something about these people.
        And you are correct, I was not a ‘customer’ of theirs, my friend was, a fact I’ve been frank about to everyone.

  • Wantrefundfromusmb

    WHT???…is that you Prudence Bolden?….and how do you know that “Justin” is not Justin Miller and not Mark McDonald? I unfortunately was convinced by Justin Miller, the agent from USMB.com I talked to on the phone approx. 4/2009, that I was a good candidate for a loan mod; however, 1.5 yrs later, I got denied, and like all of you, I am unable to contact USMB to get my ~ 3K refund.

  • Wantrefundfromusmb

    WHT???…is that you Prudence Bolden?….and how do you know that “Justin” is not Justin Miller and not Mark McDonald? I unfortunately was convinced by Justin Miller, the agent from USMB.com I talked to on the phone approx. 4/2009, that I was a good candidate for a loan mod; however, 1.5 yrs later, I got denied, and like all of you, I am unable to contact USMB to get my ~ 3K refund.

    • WTH??

      Yes and I know because he sent an email which he cc’d me and others on for some reason with pretty much the same verbage.

      • Wantrefundfromusmb

        So Prudence, what are you saying “yes” too?…that “Justin” is Justin Miller?… or are simply stating that WTH?? is you?…and who is “he”?…please clarify.

  • Druizit

    To all, just found another blog on the same website that leads me to believe that Residential Law Center and US Mortgage Bailout are the same company. here is the link.
    http://getoutofdebt.org/forum/

  • Druizit

    To all, just found another blog on the same website that leads me to believe that Residential Law Center and US Mortgage Bailout are the same company. here is the link.
    http://getoutofdebt.org/forum/get-out-of-debt-questions/are-residential-law-center-and-us-mortgagebailout-com-the-same-people

  • Steve Rhode

    If any USMB clients are from Ohio you might want to read this story and follow the information at the end of it for filing a complaint. The Ohio Attorney General just sued three loan modification companies, one of which was an attorney run company from California.

  • http://GetOutOfDebt.org Steve Rhode

    If any USMB clients are from Ohio you might want to read this story and follow the information at the end of it for filing a complaint. The Ohio Attorney General just sued three loan modification companies, one of which was an attorney run company from California.

    • http://twitter.com/DTahlvinhar Ryan Ramage

      Already ahead of you on that Steve. I have complaints against USMB filed with the California and Ohio AG’s since last week.

    • MKW

      Glad to hear it, unfortunately I live in IL and our AG isn’t interested in any of this, period, I filed with CA AG, FTC, etc.

    • Jack

      Is there anything that can be done in Texas?!

  • Don’t worry about it

    i would like to know how I’m going to get my $3000.00 back?

  • Don’t worry about it

    i would like to know how I’m going to get my $3000.00 back?

  • VN

    Mishy – I am also interested in getting in on a class-action suit against this Co. They have $3,500 of my money, I was denied a modification after almost 11 months of BS. I have been attempting to get my refund (as contractually stated) to no avail. Sent e-mails at nauseum, phone calls….getting the run around since June. Nothing but “my refund is under review”. I was told several times that I should have an answer by such & such day….empty promises. I thankfully had better luck in dealing with my lender directly and received a modification on my own. Wasted so my time & energy with these inept, untruthful & unprofessional group of people. A # where I or my wife can be reached is 973.655.7877 (ask for Michele)

  • VN

    Mishy – I am also interested in getting in on a class-action suit against this Co. They have $3,500 of my money, I was denied a modification after almost 11 months of BS. I have been attempting to get my refund (as contractually stated) to no avail. Sent e-mails at nauseum, phone calls….getting the run around since June. Nothing but “my refund is under review”. I was told several times that I should have an answer by such & such day….empty promises. I thankfully had better luck in dealing with my lender directly and received a modification on my own. Wasted so my time & energy with these inept, untruthful & unprofessional group of people. A # where I or my wife can be reached is 973.655.7877 (ask for Michele)

    • Mishy

      Got it!

    • MKW

      As of today, none of the published phone numbers are working numbers, anyone have one that is?

  • Jokerzig

    Way to go Drini17!

  • Jokerzig

    Way to go Drini17!

    • Drini17

      In reference to what Jokerzig?

  • Avenger

    Hey Justin,
    You recieve an A on your writing skills of fictional short BS stories . However you are just as Guilty as all your partners in crime, Mike Zivkovic, Melissa Mendoza and Christy Comyns..
    Justice will prevail.We suggest you get a good criminal attorney… Cant wait to see you and your friends on the witness stand! See ya soon!

  • Avenger

    Hey Justin,
    You recieve an A on your writing skills of fictional short BS stories . However you are just as Guilty as all your partners in crime, Mike Zivkovic, Melissa Mendoza and Christy Comyns..
    Justice will prevail.We suggest you get a good criminal attorney… Cant wait to see you and your friends on the witness stand! See ya soon!

  • Druizit

    Thanks WTH you have given me enough information to determine who Justin really is, It looks to be Mark McDonald an agent with US Mortgage Bailout. Mr. McDonald I do respect the opinion of an Attorney who worked for the comapany who had nothing to gain over yours, I believe the authorities will see it the same way. Saying you are innocent and quoting the lord will not save you.

  • Druizit

    Thanks WTH you have given me enough information to determine who Justin really is, It looks to be Mark McDonald an agent with US Mortgage Bailout. Mr. McDonald I do respect the opinion of an Attorney who worked for the comapany who had nothing to gain over yours, I believe the authorities will see it the same way. Saying you are innocent and quoting the lord will not save you.

  • WTH???

    Hey Mark M. why are you calling yourself “Justin?” It is interesting that you are posting this information on this blog now. Why the wait? If you are going to post this kind of stuff you should give the whole truth which would include what you really did. You stated that you made sure all the customers who called for a modification were viable….No you did not….you made sure they had the money to pay, so that you would get your cut even if it was their last dime, I can think of several files that you submitted for individuals who had no jobs or proof of income. If by viable you meant that they were not dead, then I guess that would be right. I could go on about all the stuff you did but it appears that Druizit has got your number and will take care of it. Since I was the only attorney in the office, I am assuming you are referring to me when you said I did not take and pass the bar exam until 2 months before the office closed. Let me correct you, I was hired as an in-house attorney (in-house attorneys can work for companies in the various states without having a license in that state provided they adhere to that state’s conditions for in-house attorneys). I have a license and have had it since 1994. Me taking the California bar exam had nothing to do with working for USMB. I never stated or implied to any customer that I spoke with that I was acting as an attorney on their behalf. As a matter of fact I had to clear up with several customers that I was not as you and others gave them the impression that I was. My job at USMB was to deal with lenders in a negotiations capacity. Therefore I imagine that this would have fulfilled the attorney assisted portion of the claim. It looks to me like you are catching heat from your customers only because you gave them your personal email and phone number. Had you not done that you would be ignoring them as you did when they constantly called looking for you and wondering why their files had not been submitted to their lenders yet. Yes processing and negotiations got behind after the file intake increased, but what about when it was not behind and your customers were calling and complaining about their files not being submitted and no contact from you? What about the customers that unnecessarily had to be served with foreclosure paperwork because you had not given the file to processing or gotten the proper paperwork from the customer? If you are right with the lord, shouldn’t you know that he says, “let he who is without sin cast the first stone.” If you would like to discuss this further send me an email at USMB as I still have access to that email. But if you want to discuss it in this forum that is fine also but remember don’t bring a knife to a gun fight. One last thing, prejudistically is not even a word. The correct word would be prejudicially.

  • WTH???

    Hey Mark M. why are you calling yourself “Justin?” It is interesting that you are posting this information on this blog now. Why the wait? If you are going to post this kind of stuff you should give the whole truth which would include what you really did. You stated that you made sure all the customers who called for a modification were viable….No you did not….you made sure they had the money to pay, so that you would get your cut even if it was their last dime, I can think of several files that you submitted for individuals who had no jobs or proof of income. If by viable you meant that they were not dead, then I guess that would be right. I could go on about all the stuff you did but it appears that Druizit has got your number and will take care of it. Since I was the only attorney in the office, I am assuming you are referring to me when you said I did not take and pass the bar exam until 2 months before the office closed. Let me correct you, I was hired as an in-house attorney (in-house attorneys can work for companies in the various states without having a license in that state provided they adhere to that state’s conditions for in-house attorneys). I have a license and have had it since 1994. Me taking the California bar exam had nothing to do with working for USMB. I never stated or implied to any customer that I spoke with that I was acting as an attorney on their behalf. As a matter of fact I had to clear up with several customers that I was not as you and others gave them the impression that I was. My job at USMB was to deal with lenders in a negotiations capacity. Therefore I imagine that this would have fulfilled the attorney assisted portion of the claim. It looks to me like you are catching heat from your customers only because you gave them your personal email and phone number. Had you not done that you would be ignoring them as you did when they constantly called looking for you and wondering why their files had not been submitted to their lenders yet. Yes processing and negotiations got behind after the file intake increased, but what about when it was not behind and your customers were calling and complaining about their files not being submitted and no contact from you? What about the customers that unnecessarily had to be served with foreclosure paperwork because you had not given the file to processing or gotten the proper paperwork from the customer? If you are right with the lord, shouldn’t you know that he says, “let he who is without sin cast the first stone.” If you would like to discuss this further send me an email at USMB as I still have access to that email. But if you want to discuss it in this forum that is fine also but remember don’t bring a knife to a gun fight. One last thing, prejudistically is not even a word. The correct word would be prejudicially.

  • Steve Rhode

    Justin,

    I think the critical factor is if you were selling services after the time that problems developed with the company. Did you immediately stop representing and selling service when you discovered there was a problem?

    Steve

  • Justin

    Whomever you are … Druizit…… you just don’t get it. I hope the others whom have read what I have to say take it in the manner I presented it. You cannot purport that “I knew anything was illegal’ about the sales I performed for the company! I never took advantage of any of my clients…. and all my clients have been personally contacted by me, and know that I am there to help them in any way I can to get their money back. So I have a clear conscience about my roll in what happened. How about an analogy…… let’s say that the company that provided the gasoline at your local gas station was providing a terrible gas mixture that was not as purported to the buyers of the gas…. and actually was harming the cars using it. Do you blame the poor guy whose job it was to help you fill your tank and clean your windows…… and say that well he must have known it was crappy gas….. or do you go after the owners of the station? Think about it. As for my act of cooperation, I am doing so directly with all my clients, and the local authorities…. and commenting in this blog. So do not question my cooperation, nor my angst over what the owners of this company have and continue to do by grossly neglecting the clients whom have paid and received nothing…… but the likelyhood of losing their homes. My conscience is right with my clients… and to the good Lord. So Druizit……. good luck with your endeavors….. and again, if you want something out of this then go after those whom perpetrated and gained from this unfortunate disaster…… and leave the poor gas station attendant alone….. unless you have imperical proof that he knew about and had control over the unscrupilous deed. Otherwise, you are making the mistake of prejudistically placing blame where it does not belong…… maybe you can attest to the sales agent that took you in as to wether he was reputable etc……. but it is not right to prejudistically and unfairly attack everyone associated with the company.

  • Justin

    Whomever you are … Druizit…… you just don’t get it. I hope the others whom have read what I have to say take it in the manner I presented it. You cannot purport that “I knew anything was illegal’ about the sales I performed for the company! I never took advantage of any of my clients…. and all my clients have been personally contacted by me, and know that I am there to help them in any way I can to get their money back. So I have a clear conscience about my roll in what happened. How about an analogy…… let’s say that the company that provided the gasoline at your local gas station was providing a terrible gas mixture that was not as purported to the buyers of the gas…. and actually was harming the cars using it. Do you blame the poor guy whose job it was to help you fill your tank and clean your windows…… and say that well he must have known it was crappy gas….. or do you go after the owners of the station? Think about it. As for my act of cooperation, I am doing so directly with all my clients, and the local authorities…. and commenting in this blog. So do not question my cooperation, nor my angst over what the owners of this company have and continue to do by grossly neglecting the clients whom have paid and received nothing…… but the likelyhood of losing their homes. My conscience is right with my clients… and to the good Lord. So Druizit……. good luck with your endeavors….. and again, if you want something out of this then go after those whom perpetrated and gained from this unfortunate disaster…… and leave the poor gas station attendant alone….. unless you have imperical proof that he knew about and had control over the unscrupilous deed. Otherwise, you are making the mistake of prejudistically placing blame where it does not belong…… maybe you can attest to the sales agent that took you in as to wether he was reputable etc……. but it is not right to prejudistically and unfairly attack everyone associated with the company.

    • http://GetOutOfDebt.org Steve Rhode

      Justin,

      I think the critical factor is if you were selling services after the time that problems developed with the company. Did you immediately stop representing and selling service when you discovered there was a problem?

      Steve

    • Usmb Krypton Rival

      So Justin, Prudence was innocent? And is your real name Justin?
      And why would Prudence, who is a law-abiding ATTORNEY, no matter WHERE in the frickin world she’s an attorney, allow all that to happen in front of her? This is all crazy! The truth will come out eventually!!

      • WTH??

        What exactly did I allow to happen in front of me?

      • Avenger

        Hey Prudence,
        Sleep with one eye open…The law is on your tail…..

      • USMB Krypton Rival

        oooooooooowwwweeeeeeeeeeeeee do we got a lyin fool or a fool in denial!

      • Usmb Krypton Rival

        What do they call a lawyer that graduated at the bottom of their class? A lawyer

      • WTH??

        WOW that is clever.

      • Usmb Krypton Rival

        Prudy girl, why don’t you take your complete lack of respect for this forum and what’s actually happened here and leave! You’ll soon have your day to try and lie your way out of court. You sound like a 20-year old juvenile who’s just aching to meet her match, and you’re 45 years stupid. Aren’t you keeping busy enough with your cohorts?

      • WTH??

        Okay will do. Will instead wait for the notice to appear in court. Thanks for the advice.

      • Avenger

        Nah,
        Thats not called a lawyer its called a LIAR!

  • Druizit

    Justin, If that is your real name. Your name will eventually be revealed so continuing to hide under a false name is not going to help you. You were a front man taking advantage of people knowing it was illegal. By going on the blog saying your innocent will not clear your name. As the company is investigated your lies will come out. You will go down with the company. The remedy I am seeking is to put you/all salespeople/ and owners in jail. Why don’t you come out with your real name if you are innocent, it will show an act of cooperation. Otherwise it looks like you are trying to deflect responsibilty.

  • Druizit

    Justin, If that is your real name. Your name will eventually be revealed so continuing to hide under a false name is not going to help you. You were a front man taking advantage of people knowing it was illegal. By going on the blog saying your innocent will not clear your name. As the company is investigated your lies will come out. You will go down with the company. The remedy I am seeking is to put you/all salespeople/ and owners in jail. Why don’t you come out with your real name if you are innocent, it will show an act of cooperation. Otherwise it looks like you are trying to deflect responsibilty.

  • Justin

    The only ones hiding are the owners and the people they brought along with them. I have already taken proactive steps to ensure my good name will not be ill affected… at the same time being an advocate to help those that were wronged by those owners et al. Myself, my family, and friends have also been taken in by these guys…. and were are feeling the fallout on a personal level. But I am not here to ask for sympathy… just to help shed some light on the true nature of what happened to all of us affected by this company and its owners. I too am actively seeking some results in the legal arena to put a stop to this group. As for your accusation against me personally in your reply to my post….. I personally never took advantage of anyone and it is unfortunate that in your anger you want to lash out at anyone whom was connected with that company. I ask you to direct your anger and frustration to those responsible, then you will be better able to focus in on the results you seek. I am still dealing personally with the fallout of these guys not doing what they are saying that they are doing at this stage….. three more clients called me this morning asking what is going on, and why is no one calling them. So…. do not make this a stereotypical witch hunt… and focus in on those whom knew what they were doing (taking in client’s money and not helping nor communicating with them). You can ask all my clients that I took the sales position, and remained there as long as I did, because I wanted to help struggling homeowners to keep their homes. What a great thing to do, and make a decent living at the same time. So please…. stay focused on the remedy you seek and from whom you should be seeking it from.

    Respectfully….

  • Justin

    The only ones hiding are the owners and the people they brought along with them. I have already taken proactive steps to ensure my good name will not be ill affected… at the same time being an advocate to help those that were wronged by those owners et al. Myself, my family, and friends have also been taken in by these guys…. and were are feeling the fallout on a personal level. But I am not here to ask for sympathy… just to help shed some light on the true nature of what happened to all of us affected by this company and its owners. I too am actively seeking some results in the legal arena to put a stop to this group. As for your accusation against me personally in your reply to my post….. I personally never took advantage of anyone and it is unfortunate that in your anger you want to lash out at anyone whom was connected with that company. I ask you to direct your anger and frustration to those responsible, then you will be better able to focus in on the results you seek. I am still dealing personally with the fallout of these guys not doing what they are saying that they are doing at this stage….. three more clients called me this morning asking what is going on, and why is no one calling them. So…. do not make this a stereotypical witch hunt… and focus in on those whom knew what they were doing (taking in client’s money and not helping nor communicating with them). You can ask all my clients that I took the sales position, and remained there as long as I did, because I wanted to help struggling homeowners to keep their homes. What a great thing to do, and make a decent living at the same time. So please…. stay focused on the remedy you seek and from whom you should be seeking it from.

    Respectfully….

    • MKW

      So, what’s your email, Justin?

  • Druizit

    Thank you for the information Justin. Trust me the company will be held accountable for their actions. I have hired a private investigator and have determined that many of their sales agents have gone from modification company to modification company, with some of their agents working at more than 6 different firms. The funny thing is that every firm these agents went and worked at eventually shut down their business. The trial of damaged homeowners seems to follow these agents at each of the companies they worked at. So please save the poor me speach. You took advantage of people and did get paid knowing that it was illegal. My agent in particular was sweet talking salesman whom never contacted me once I paid. Do not worry the company as well as all the salepeople will be investigated and I hope many will serve time or at a minimum will lose the ability to ever work in the real estate again. I will make sure of this. If you are innocent please provide me with your complete name. I already have have the list of every employee their. So if your intentions are to get justice and are inocent there is no need to hide.

  • Druizit

    Thank you for the information Justin. Trust me the company will be held accountable for their actions. I have hired a private investigator and have determined that many of their sales agents have gone from modification company to modification company, with some of their agents working at more than 6 different firms. The funny thing is that every firm these agents went and worked at eventually shut down their business. The trial of damaged homeowners seems to follow these agents at each of the companies they worked at. So please save the poor me speach. You took advantage of people and did get paid knowing that it was illegal. My agent in particular was sweet talking salesman whom never contacted me once I paid. Do not worry the company as well as all the salepeople will be investigated and I hope many will serve time or at a minimum will lose the ability to ever work in the real estate again. I will make sure of this. If you are innocent please provide me with your complete name. I already have have the list of every employee their. So if your intentions are to get justice and are inocent there is no need to hide.

  • Mishy

    Justin are you part owner of Miller Kideys?
    All former employees who were jilted should go to the Dept. of Labor to get your pay.

    Yeah I was wondering if those poor remaining employees and owners who moved into a much smaller office on the ocean at least had a view. Tsunami anyone?

  • Fjolly

    NO, I HAVE NOT EMAILED YOU.

  • Fjolly

    NO, I HAVE NOT EMAILED YOU.

  • Justin

    I have contacted most nearly all of my former clients who were still in negotiations with this company, denied a modification, and/or completely left hanging with no contact whatsoever in order to gather data to disprove the company’s statements that they are still working with their current clients and sending out refunds. Most of these clients were placed on an automatic 3-payment plan (1/3 upfront, 1/3 in 30-days, and the final 1/3 30 days after that with payments automatically set up via ACH debites from the client’s checking account. My clients are sending me proof that they are still collecting on these long after they claimed to have closed the business, filed bankruptcy, and stopped paying the commissions due for the selling agents. The agents did their part in carefully screening the viability of the client’s likely success for a modification workout solution…. but the processing and negotiating side of things were so over-whelmed that in the last 9-months or so, most client’s lenders were not contacted on avereage of 60 plus days… and some double and three times that….. leaving the agents to fend for themselves with updating and assuring the clients that although the process is long… longer than anyone would like or feel is reasonable that things were still on track. Also purported was that these were ‘attorney assisted’ modification negotiations. The only attorney at the office did not take and pass the bar exam until a couple months before the company shut their doors. They also ‘ramped up’ the sales efforts up to the 15th of August knowing they were going under. I understand that they promissed the agents whom they wanted to keep with them moving forward that they would recieve all their commissions that were deposited (wether as scheduled as part of the 3-pay plan… or a brand new client). Going forward, all new deals would go through a local company called the Residential Law Center (RLC) and commissions would be based on the schedule. They also knew that they were pushing the failed product ‘the forensic loan audits’ up through the 15th to cash in on all of that intake. The price tag for that product was usually between $5000 and $6000 to the client. Every one of those clients have been left high and dry since the owners know that that process was a dead end to do what they expressed it would do for the clients…. Bottom line, they say that the business failed on its own, that they are working with existing clients still, and paying out refunds. Truth is….. none of the clients of any of the agents I talked to are being contacted, nor refunds given… not even to those clients whom were promissed refunds as far back as 6-months ago. I thought this was America….. where values, honor, and your word meant something. Knowingly taking client’s money (people whom are desperately trying to save their homes…. even if that means giving all of their savings and/or paychecks to a company to help them)… and stealing the hard earned commissions of the agents whom were duped by these owners is wrong and should be held accountable. Can;t some authority sieze their books and run it against the records of the clients whom have paid all this money (and have a contract stating a refund policy)… and also verifying what they have and should have paid the sales agents whom worked hard to bring them all the money they collected. I heard that they have moved a couple doors down the street (closer to the ocean and actually have some view of the ocean from their personall offices). Seriously……. something has to be done about this…. as the facts are what they are. Is this America….. or not?!

  • Justin

    I have contacted most nearly all of my former clients who were still in negotiations with this company, denied a modification, and/or completely left hanging with no contact whatsoever in order to gather data to disprove the company’s statements that they are still working with their current clients and sending out refunds. Most of these clients were placed on an automatic 3-payment plan (1/3 upfront, 1/3 in 30-days, and the final 1/3 30 days after that with payments automatically set up via ACH debites from the client’s checking account. My clients are sending me proof that they are still collecting on these long after they claimed to have closed the business, filed bankruptcy, and stopped paying the commissions due for the selling agents. The agents did their part in carefully screening the viability of the client’s likely success for a modification workout solution…. but the processing and negotiating side of things were so over-whelmed that in the last 9-months or so, most client’s lenders were not contacted on avereage of 60 plus days… and some double and three times that….. leaving the agents to fend for themselves with updating and assuring the clients that although the process is long… longer than anyone would like or feel is reasonable that things were still on track. Also purported was that these were ‘attorney assisted’ modification negotiations. The only attorney at the office did not take and pass the bar exam until a couple months before the company shut their doors. They also ‘ramped up’ the sales efforts up to the 15th of August knowing they were going under. I understand that they promissed the agents whom they wanted to keep with them moving forward that they would recieve all their commissions that were deposited (wether as scheduled as part of the 3-pay plan… or a brand new client). Going forward, all new deals would go through a local company called the Residential Law Center (RLC) and commissions would be based on the schedule. They also knew that they were pushing the failed product ‘the forensic loan audits’ up through the 15th to cash in on all of that intake. The price tag for that product was usually between $5000 and $6000 to the client. Every one of those clients have been left high and dry since the owners know that that process was a dead end to do what they expressed it would do for the clients…. Bottom line, they say that the business failed on its own, that they are working with existing clients still, and paying out refunds. Truth is….. none of the clients of any of the agents I talked to are being contacted, nor refunds given… not even to those clients whom were promissed refunds as far back as 6-months ago. I thought this was America….. where values, honor, and your word meant something. Knowingly taking client’s money (people whom are desperately trying to save their homes…. even if that means giving all of their savings and/or paychecks to a company to help them)… and stealing the hard earned commissions of the agents whom were duped by these owners is wrong and should be held accountable. Can;t some authority sieze their books and run it against the records of the clients whom have paid all this money (and have a contract stating a refund policy)… and also verifying what they have and should have paid the sales agents whom worked hard to bring them all the money they collected. I heard that they have moved a couple doors down the street (closer to the ocean and actually have some view of the ocean from their personall offices). Seriously……. something has to be done about this…. as the facts are what they are. Is this America….. or not?!

    • Mishy

      Justin are you part owner of Miller Kideys?
      All former employees who were jilted should go to the Dept. of Labor to get your pay.

      Yeah I was wondering if those poor remaining employees and owners who moved into a much smaller office on the ocean at least had a view. Tsunami anyone?

      • MKW

        ROTF tsunami.. . . please answer my email, since I’m at home 24/7 a victim of downsizing and age related discrimination in the job market, and my husband is retired, I can help you any way you need!!

  • Jose

    i aplied for loan modification we usa baiout and this firm desepare no phone no contac we this people

  • Jose

    i aplied for loan modification we usa baiout and this firm desepare no phone no contac we this people

  • unhappy

    Hi All,
    I filed a complaint to the BBB in San Diego in August 2010 and they have tried to contact USMB twice still no response from USMB. I sent them numerous certified letters to try to get my money back, they received the letter, but never bother to call or contact me. They are bunch of no good SOB….

  • unhappy

    Hi All,
    I filed a complaint to the BBB in San Diego in August 2010 and they have tried to contact USMB twice still no response from USMB. I sent them numerous certified letters to try to get my money back, they received the letter, but never bother to call or contact me. They are bunch of no good SOB….

  • JohnB

    Hey Steve,
    I agree with you, theres nothing I can see in this comment posted by Jokerzig that indicates any kind of threatening nature to Mike or his family,,It looks to me that, he knowingly initiated a fraud, got in over his head ,got whatever commision
    the company gave him and bailed. Now the poor homeowner is losing the house because of this. Wouldnt you be angry if this was done to you? One possitive thing, I think Mike knew what he were doing at the get go and now hes squirming and sweating because the homeowner researched him and are holding him accountable

  • Druizit

    I was contacted by Mark Kreissel who was an employee of US Mortgage Bailout, he asked me to write a check payable To Residential Law Center and had me mail it to US Mortgage Bailout. Later I find that he is employed there, it sounds like there is much more than a marketing relationship here. Is Mark Kreisel employed at residential law center? If so what are his dates of employement. Can you please refund my money asap. I have asked on numerous occasions and the response I recived is that you don’t give refunds. If you are this company that does the right thing, please refund my $3,500 immediatly. My next step is going to go the BBB and California Bar.

  • RLC Employee

    Hello:
    If you signed a contract with Residential Law Center we want to fulfill our responsibilities outlined in the retainer agreement you signed with our law firm. Please call one of the numbers above or email our Client Care Manager at [email protected] for a response with in 48 hours. We have always prided ourselves on our Client Care Department.

    We had a contract with Krypton Marketing to advertise for us exclusively. The managers of this company instructed their consultants to sell other companies services while utilizing our good name, email addresses, reputation, and BBB rating. We want to help as many people as we can. The moment we discovered that this marketing company violated the agreement we had with them we terminated the contract with them. U S Mortgage Bailout and Residential Law Center are as different as McDonalds and Burger King. Not at all the same company. Residential Law Center never had any agreement or contract with U S Mortgage bailout either. We are victims of fraud.

  • Drini17
  • Druizit

    The information that I received is that they are operating under Residential Law Center at 9555 Genesee Avenue Suite 200 San Diego, CA 92121 and more importantly have found that my rep from US Mortgage Bailout now is there continuing taking advantage of people and needs to be stopped. n

  • Druizit

    I signed up with Mark Kreissel at US Mortgage bailout in July 2010, I signed a contract with Residential Law Center and paid Residential Law Center $3,500.00.
    I have not received any contact from Residential Law Center or US Mortgage Bailout.
    After some research I have found that US Mortgage Bailout is the same entity Residential Law Center. More importanatly it seems that all the counselors are now working at Residential Law Center. If you are looking for answers, As I have, contact Residential Law Center, ask for your counselors and demand answers.
    Residential Law Center Phone numbers 858-587-9609, 877-611-2611, 800-951-0744
    Address: 9555 Genesse Avenue Suite 200 San Diego, CA 92121

  • Druizit

    I signed up with Mark Kreissel at US Mortgage bailout in July 2010, I signed a contract with Residential Law Center and paid Residential Law Center $3,500.00.
    I have not received any contact from Residential Law Center or US Mortgage Bailout.
    After some research I have found that US Mortgage Bailout is the same entity Residential Law Center. More importanatly it seems that all the counselors are now working at Residential Law Center. If you are looking for answers, As I have, contact Residential Law Center, ask for your counselors and demand answers.
    Residential Law Center Phone numbers 858-587-9609, 877-611-2611, 800-951-0744
    Address: 9555 Genesse Avenue Suite 200 San Diego, CA 92121

  • Bailedoutonus

    Employee 2
    YOU ARE FULL OF CRAP! Stop with your ongoing lies……The Police are on your Trail!

  • Sourjane

    Jane,
    Wake up and smell the Rotten Feeces

  • Schwartenhagger

    EMPLOYEE
    You are a COWARD, along with all your S &^$buckets in that office. You are the lowest piece of crap for sticking up for that Slime Corporation…Why…you may have to give back your commission. Sleep tight my enemy, the law will find you and put you in Jail with all the rest of your partners in crime…..

  • 123

    the information from the homeowners (bank statements, taxes, income, etc….) was never locked up and keep in open view. The key to the office was kept at a neighboring business where anyone at that business could walk in USMB if they wanted to. Files were kept out in the open always. Most were kept in unlocked drawers.

  • Mario Ruiz de Somocurcio

    I did.. and they send me a letter telling me that I will not get a loan modification… ! I strongly request my $ 3000.00 back right away.. you did nothing for me !!
    Please is any way that we can join in a legal claim against this scamers ?

  • 123

    I am a former employee. as you know the new address is 909 Prospect St in La Jolla Ca. The new name of the business is Krypton Mortgage.

  • charlie ward

    My name is Charlie Ward and like so many others i have been scammed by these people,my wife recently died of cancer and i am out of work,so i looked to these people for help and all i got was a bad credit score and letters of forclosure.So please let me know what i can do to help bring these people down

  • AVENGER

    Kim I feel very sorry for you and your family….but all of those SOBs at US Mortgagebailout.com will monetarily pay dearly. The owners of that company are financially wealthy from this illegal scam. I think the reason they are not giving refunds because they let go many of their employees who recieved a commission on every client they scammed
    Contact Mishy at [email protected].. we are all getting together to put these scamming
    bast#$%^* in jail and pay dearly

  • Mishy

    Have you emailed me Fjolly?
    Mishy

  • Joyce

    Hi, Mishy;
    I am one of their so called existing customer, I contacted them multiple times, via phone message, fax and email. no one ever return my calls and contacted me. H. Kyle connell was my contact. My case is hanging, and deadline is Tue. 9/14/2010. myy email is [email protected].

  • Jason
  • Fjolly

    Not to mention they have all my personal information and anyone else who has delt with them. Where does that information go? Do they sell it? Do they throw it in the garbage bin for anyone to get it? Why doesn’t our government step in and help the people who got scammed by USMB?
    These people of USMB should serve prison time, I will be first in line to testify. I have most of my voice mails from them, they never would call me in person, always voice mail so I could not respond to their answers or ask questions.

  • Fjolly

    Not to mention they have all my personal information and anyone else who has delt with them. Where does that information go? Do they sell it? Do they throw it in the garbage bin for anyone to get it? Why doesn’t our government step in and help the people who got scammed by USMB?
    These people of USMB should serve prison time, I will be first in line to testify. I have most of my voice mails from them, they never would call me in person, always voice mail so I could not respond to their answers or ask questions.

    • Mishy

      Have you emailed me Fjolly?
      Mishy

    • 123

      the information from the homeowners (bank statements, taxes, income, etc….) was never locked up and keep in open view. The key to the office was kept at a neighboring business where anyone at that business could walk in USMB if they wanted to. Files were kept out in the open always. Most were kept in unlocked drawers.

  • Fjolly

    In my opinion USMB is a scam, they took my 3 grand and ran. H. Kyle Connell was the person I was working with, he told me I did not have to make my mortgage payments because my case was in review. After 13 months of listening to him I decided to call my lender myself, to my suprise they never recieved the docs I had sent USMB and my house is now in foreclosure. Thanks alot Kyle, if that is your real name, there is a place in Hell for people like you. The red flag should of been paying first! Of course I got on the phone right away and guess what ? All phone lines have been disconnected. I want justice but don’t know how to go about it. I don’t want to lose my home, it is not a house, it is my home! Thanks again H. Kyle Connell @ USMB.

  • Fjolly

    In my opinion USMB is a scam, they took my 3 grand and ran. H. Kyle Connell was the person I was working with, he told me I did not have to make my mortgage payments because my case was in review. After 13 months of listening to him I decided to call my lender myself, to my suprise they never recieved the docs I had sent USMB and my house is now in foreclosure. Thanks alot Kyle, if that is your real name, there is a place in Hell for people like you. The red flag should of been paying first! Of course I got on the phone right away and guess what ? All phone lines have been disconnected. I want justice but don’t know how to go about it. I don’t want to lose my home, it is not a house, it is my home! Thanks again H. Kyle Connell @ USMB.

  • Lat747down

    We must have had the same agent, because ours took a leave of absence as soon as we signed up. We have a family of five and two dogs. I hope there is a lawyer reading this forum. Man I am sorry that we are in the same boat.

    TJ

  • Lat747down

    Mishy,

    I have read a lot of messages on this forum, and whoever said that they have been contacted by their company to do their loan modification it is lie. You can’t possibly be telling the truth that US Mortgage bailout had anything to do with it. To the guy who was ahead of your mortgage yeah for you, but for the rest of who were scammed by their real-estate agent to get a house sold (and told us we had to sign for the house or we would be sued) stuck with a mortgage that put us way over our heads. Oh yeah filing recourse against her did us no good because she is no longer licensed. Yeah we were looking for something that could help us save our home, and our investments.

    So when we got in contact with US Mortgage Bailout our agent assured us that he could get our mortgage down to $764.00 which sounded awesome. We signed the papers they sent someone over to get out paper work in November of 2009. We sent them over the next months 2400 or mortgage was 1100. So we had to make decision (pay them to work on our behalf or keep struggling).

    Our last payment was this past February 2010. Then when tried to contact our agent via e-mail we get a response that he is on extended leave (What In The World-I guess I would be to). Then it became a hassle to get contact with anyone in the company. To the anonymous employee if there are so many dedicated workers how come the people that Mishy worked with are the same exact people that I worked with (Melissa Mendoza, and Ian because he is the only one that ever answered the phone). Here it is I thought I was talking to a customer service rep, and I am talking the owner. Passing it off to Melissa way to pass the buck there buddy. Now I will say that after calling 100 times a day (Keep in mind we are in Ohio) I would finally talk to Melissa (who was really nice-because it was great way to say, “I am smiling while we screw you over”) would say yes your paper work is with our lawyers or a rep (never would tell me the reps name) as we speak. So in May we get out foreclosure letter, we are panicking we call US Mortgage Bailout, and Melissa says don’t worry Chase (who now has our mortgage) can not do anything to you as long as you are with us, and send us the paper work. Yet, when we call Chase and say we are working with US Mortgage Bailout they have no clue who we are talking about. So I call back US Mortgage Bailout, don’t worry about it they can’t do anything. Yeah a lot of good that did. Man she was stringing us along because they (she/the company/anyone collecting a check from this company) already had our money.

    When we got a letter for a mediation from our company. We called again and Mellissa said yeah don’t worry about that most people don’t go. WHAT IN THE WORLD WAS I THINKING. Man these people took our money, and cost us our home. We have three children under the age of 1 and two dogs. Our home is up for a sheriffs sale September 29,2010 yeah in like 3 wks although Melissa told me not to worry that they could not do a sheriffs sale as long as we were with them. Yet when we called the sheriffs department last week they confirmed they are indeed doing a sheriffs sale. The preyed on vulnerable people, took money. with no intent to do anything.

    I bet they still have their homes, apartment, condo’s or where ever they live. I am sure they are doing just fine. If I was not a Christian I would make threats to. I am soooooo MAD and FRUSTRATED. It keeps me up at night, because they cost us our home that was on a double lot that provided lots of space for our dogs and our little girls to play. Now we live in an apartment. We could have just worked with Chase to keep our home. All to find out that they should have not taken out money in the first place, and now it is too late (I do hope it is in a trust). Look how many people are on this forum. Look at all the thousands of dollars gone. These people are freaking rich off OUR LAST DOLLARS, and I want my dollars back. I estimate that they owe my family 52,800 because that’s how much we invested in our home over the past four years of paying our mortgage. I want to get on the band wagon to get our 52,800 back. I’ll tell you who I am cause I ain’t scared of no one. I don’t care what lawyer we signed with for a civil suit. If he/she/they can get us our money back then they deserve the dollars. I want the one that can get the job done. So if there is a lawyer out there reading this forum you got a lot of people that need your help. So hit us up we are listening.

    Tanya Jennison
    The Home I No Longer Have is 5135 Yorkshire Dr. Toledo Ohio 43615
    My number is 567-225-4412
    e-mail is [email protected]

    Someone please call me cause I want to get in out the suit. I want them to pay the piper (not meet their maker), but I think they should pay.

    Mishy what you have concerning there information is what I have keep me posted call me e-mail me. We can start by e-mail and go from there. Keep me posted.

    TJ

  • Mario Ruiz de Somocurcio
  • Mishy
  • joyce

    I contact usmb multiple times,no response. My lender asking for an update, they are not doing their jobs, we should get our refund.

  • Joyce

    I am a existing customer(paid in full) have tried to contact the companies thru email, fax and phone message 10 days ago, up to this point, no one from this company has ever reply m email, fax or phone message. The lender is waiting for a update from US mortgage bailout, Are you really have someone still working on the current client’s case?

  • Dulce Herrick

    Hy Mishy. My name is Dulce Herrick and US Mortage Bailout took from me $1,500. They had just taken my case. My husband and I are unemployed and we sell our valuables to pay these people, so they would help us to get a loan modification. I talked to Russell Hollowell a few times and after that, he never answer my phone calls. They were suppose to take 3 paymens of the same amount every last day of the month. Since neither Mellisa or Rusell called me, and I read this page. I called my bank to stop the payment. Unfortunatelly, the bank was not able to stop the payment on time, and withoun having any communication with me they took the other $1,500 from my check account. I had advised the bank, so I am disputing that money. I about being homeless, because they told me no to contact Bank of America and they had already sent me the Form for filing the loan modification by Federal Express. We are very close to be homeless and we are selling whatever we can. We have passed very dark moments in which killing ourselves have crossed our minds and we felled into a deep depression. we will have to pull the children from school. Thanks God we talded to the principal of our children’s school and she manage to bring back the faith in God and the desire to continue living. If people get together for getting the refund. I want to be included. My husband and I are looking for jobs and we are praying that we get jobs soon. You can e-mail me to [email protected]
    Dulce

  • Jokerzig

    Hey Steve,
    I have no problem forwarding you the email I sent Mike. You can see for yourself no threats were ever made! I let him know from the heart how his guidence has devestated our family

  • Jokerzig

    Steve,
    In no way was my comments on this Blog ever supposed to be threatening to Mike. If he recieved him that way I apologize. Please understand I am mad and fustrated. We put all our trust in Mike and he personally let us down…After this Blog, He contacted me by email and I emailed him back. I told him directly that nothing i have ever posted was never meant to be threatening. When I commented I said we handle this differantly in New York…I only meant that we would handle this like men ( maturely) .Mike is proberly to irresponsible to understand that. Apparently Mike is a Storyteller. The same story he told us about motifing our Mortgage which put us in forclosure….Believe me I have read your past comments and would never make any threats, especially in a forum of this kind. Mike has also sent me an email requesting my phone number….Do You think I have anything else to say to him..I will let the Courts decide on that…Oh an by the way Mike told another story, he claims we staked him on facebook…never did….Mikes coincience must be bothering him
    I hope I cleared this up

  • Zzwit1eyeopen

    US Mortgagebailout.com…..YOU ARE GOING DOWN! Your faces will soon appear on News Agencys across the Country…..After wanted Posters with rewards will be posted in the California Area…..Wait till you all do some prison time, youll have plenty of time to think what you have done to American Working Families across the United States…

  • Ryan

    Message from usmortgagebailout.com:

    “You are encouraged to contact your lender directly to check the status of your file and to provide them with any updated items that they request such as pay stubs and bank statements. You are also encouraged to continue making your mortgage payments until there is a resolution to the loan modification request.”

    So since I’m to contact the lender and update my own files, their not holding up to their end of the contract…so shouldn’t we be getting a refund? Please…correct me if I’m wrong!

  • Ryan

    Message from usmortgagebailout.com:

    “You are encouraged to contact your lender directly to check the status of your file and to provide them with any updated items that they request such as pay stubs and bank statements. You are also encouraged to continue making your mortgage payments until there is a resolution to the loan modification request.”

    So since I’m to contact the lender and update my own files, their not holding up to their end of the contract…so shouldn’t we be getting a refund? Please…correct me if I’m wrong!

  • Mario Ruiz de Somocurcio

    Hi Mishy .. My name is Mario Ruiz de Somocurcio, I’m one more victim of USMB I paid them
    $ 3,000.00 back in April 2010 to help me with my mortgage,. they did nothing for me, my bank contact me to let me know that they are multiple documents missing on my file, and of course no body is responding there request..
    Please keep me posted and please consider my self for any legal action against USMB.
    Thanks
    Mario Ruiz de Somocurcio
    (360) 265-8892
    [email protected]

  • Drini17

    Karina Gutierrez

  • Drini17

    No, Mishy I did not recieve it…I also have some other things I want to talk to you about after I recieve it, I will email more things to you! Thanks in advance.

  • Mishy

    Drini17, just wondering if you ever get my email?

  • Mishy

    Some of these messages obviously come from being utterly pissed off at this company and those responsible, and to be honest I’ve thought of using a couple of my free flights to personally visit some of them. But what would that do? Get me, not them, in jail.

    We should say as LITTLE as possible on this public forum because if you put the light on, the cockroaches WILL scatter….

    Mishy

  • Mario Ruiz de Somocurcio
  • Pissed

    I have also been waiting for a reply on my audit started in July. I just found out this service is provided for free by NACA. OMG , I feel ike an idiot. I have a lot of stress prepetuated health problem this whole thing is making my life miserable both mentally and physically. I also looked into an lawyer in Milwaukee WI. Her name is Susan LaCava if anyone is interested. I really hate it when we do get responses they say stuff like ” it shouild be done by this Friday”, Then a week and a half goes by and no one can be reached. We stopped payment on the last payment we owed them.
    I really hate how mad they make me.

  • Steve Rhode

    I received the comment below from a Mike regarding Jokerzig’s comment above. In Mike’s comment to me he says he feels threatened but I don’t see any evidence of physical harm in Jokerzig’s comment so I am not removing it at this time.

    Mike’s Comment

    Your blog was brought to my attention last week. I was an employee at US Mortgage Bailout. My job as a representative was to take a phone application, review the findings with the negotiations team if need be and bring them into the program. Once they were in the program, I was to advise them of what was happening with the case. I was not responsible for taking their money, not responsible for negotiating their case, simply to update them as to what was happening. I did my job to the best of my ability until I (as all the other agents) were let go on 8/16/10 without pay.

    There is client that I was assigned (posting comments under Jokerzig) named John and Antoniette. These people came into the program in mid-December. I received all their info and submitted. I did everything I was supposed to throughout the process. Since I have left the company, these individuals have stalked me on Facebook with threats and have now threatened me publicly on your blog. I tried to e-mail them last evening with the information they provided, and was once again threatened, this time in an email. At this point, I feel my safety and the safety of my family is threatened.

    According to your blog rules, any threats will not be tolerated:
    “P.S. Everyone needs to promise me, if anyone has made threats to physically harm any USMB employee, STOP DOING THAT! I have told the USMB employee that contacted me they should file a police report if anyone has threatened to harm them.”

    At this point, I truly feel threatened and ask that you please remove the comment stated by Jokerzig. By the way, I believe this is the same person that also posted under You Lose.

    I appreciate your time and attention to this, and please confirm once this is removed. Feel free to contact me via email regarding any questions you may have.

    Thank You!

  • widow1

    this is crazy i cant sleep all i think about is this scam how many people like us have to go thru this.

  • Nancy Stone30

    Widow in West Virginia,hello my name is Nancy Stone I,to am a victum of this horrific scam from usmortgagebailout.com my loan spec.name is Ian Pellegrini like everyone else ,my house is in forecloser after promise;of amodification my children have taken there hard earn money from my grandchildrens mouth to save the only thing my decease husband letf us to have aroof over our heads for as long as we livewe too are looking for some kind of bailout from the bailoutusmb.com please if there is any thing that can be done feei free to email @[email protected]

  • Nancy Stone30

    Widow in West Virginia,hello my name is Nancy Stone I,to am a victum of this horrific scam from usmortgagebailout.com my loan spec.name is Ian Pellegrini like everyone else ,my house is in forecloser after promise;of amodification my children have taken there hard earn money from my grandchildrens mouth to save the only thing my decease husband letf us to have aroof over our heads for as long as we livewe too are looking for some kind of bailout from the bailoutusmb.com please if there is any thing that can be done feei free to email @[email protected]

  • james

    Just found out I was scammed too! Kyle Connel you will burn in hell

  • james

    Just found out I was scammed too! Kyle Connel you will burn in hell

    • Anonymous

      this is crazy i cant sleep all i think about is this scam how many people like us have to go thru this.

  • Mishy
  • Mishy

    I tried replying to you and it keeps coming back. Please send me another email address.

  • Mishy
  • Drini17

    Most of the readers on here should understand that the employees of the company were acting on behalf of the company. I don’t know about anyone else on here who work for someone else but we don’t have much say as to our job description. We do what we are told, so don’t get upset at the employees. The employees have to understand that the people they hurt for their company are just in dire need of serious help now. We have to remain sain however and remember they were just doing their jobs. DO NOT THREATEN VIOLENCE TOWARDS ANYONE! What is that going to do? Nothing. Our legal system though not perfect, works in so many ways and if you go to the Attorney General of California’s website, you will see all the cases he has won for people like us! BE SMART!

  • Drini17

    One more thing, though you can’t be held personally liable for damages done to USMB clients, you will still be mentioned as part of any lawsuit brought against them if your name appears on any emails, phone messages, or letters from the company.

  • Drini17

    Actually by recieving payment prior to services rendered you, because you represented your company, did do something illegal in the state of California. So, when a statement is truth it is not libel per se, nor is it dire, nor were you defamed. What was said was truth. Here are the laws that YOU, acting as US Mortgage Bailout.com broke:
    - California Business and Professions Code section 17200 by failing to perform services made in exchange for upfront fees;

    - California Civil Code section 2945.4 for unlawfully collecting upfront fees for loan modification services;

    - California Civil Code section 2945.45 for failing to register with the California Attorney General’s Office as foreclosure consultants; and

    - California Penal Code section 487 for grand theft.

    If you want to discuss legal terms, how about you obtain a degree first! There are the unlawful things! So the comment is just fine in staying on here!

  • Drini17

    Ian Tamer Kideys (Registered
    Representative, Los Angeles, California)
    was censured, fined
    $84,811.37, and suspended from
    association with any NASD member
    in any capacity for two years. The
    sanctions were based on findings
    that Kideys participated in private
    securities transactions, for which he
    received compensation, and failed to
    provide prior written notification to, or
    obtain written approval from, his
    member firm.

    This was published on a website after I googled Ian Tamer Kideys’ name. Apparently this isn’t his first illegal endevour! There are a bunch of explatives that come to mind but because this is a public website blog, insert here…….

  • Drini17

    Ian Tamer Kideys (Registered
    Representative, Los Angeles, California)
    was censured, fined
    $84,811.37, and suspended from
    association with any NASD member
    in any capacity for two years. The
    sanctions were based on findings
    that Kideys participated in private
    securities transactions, for which he
    received compensation, and failed to
    provide prior written notification to, or
    obtain written approval from, his
    member firm.

    This was published on a website after I googled Ian Tamer Kideys’ name. Apparently this isn’t his first illegal endevour! There are a bunch of explatives that come to mind but because this is a public website blog, insert here…….

    • Mishy

      I tried replying to you and it keeps coming back. Please send me another email address.

  • Youlose

    Are you in fact Mz Mendoza? Why dont you return my calls. Maybe because you know you are deeply involved… As I recommended to Mike Zivkovic , if you knowingly are involved in this scam, you too will face the legal consequnces.
    I am personally researching all you people who are employed at Mortgagebailout.com. As soon as I get all your home adresses you will be hearing from The District Attorney and my Lawyer.
    I hope you have enough money to pay for the damages to the inocent people you prayed on
    Also get a good lawyer, youll need one

  • Jokerzig

    Ladies and Gentlemen.
    We have all been scammed by US Mortgagebailout.com..Two weeks ago when i sent an email to the office, I was told Mike Zivkovic was no longer employed there.He promised us we would get our Modification by July 2010….we followed his instructions not to pay our mortgage since last November.The mortgage holder is still asking us for documents almost a year later… Now we are in forclosure…..I dont know what part of the country that all of you live in, but in New York we handle things a little differantly, if you know what I mean. LaJolla California is only a plane trip away. Of course when we spoke with Christy Commons, she said Mike no longer works here and she dont know where he is but I found him on facebook……Facebook him hes the young guy with sunglasses standing next to a white vehicle…I contacted him under a ficticious name and he responded with they let me go without notice and they are about to shut down..Hes the one that scammed me, I called the district attorney to get only lip service…..OK have it your way
    Our mentallity in New York is not the same as the Ivory Tower Attorneys in California……….Ladies and Gentlemen its time we all take action….lets have a forum and a comeup with some sort of classaction lawsuit…..I am personally…and legally going to get even with Mike Zivkovic…but I would like to see all those people at US MORTGAGEBAILOUT spend some Jailtime and be forced to fully pay everyones mortgage in full for there dastardly deeds….
    I am sorry for being a Hot Head but this is not a joke and I am mad

    My Email address is [email protected]
    Unity is strength…lets put these people behind bars where they belong

    Jim and Antoinette
    I am not an attorney, We are middle class American born working people with two children and a forclosure notice…

  • Jokerzig

    Ladies and Gentlemen.
    We have all been scammed by US Mortgagebailout.com..Two weeks ago when i sent an email to the office, I was told Mike Zivkovic was no longer employed there.He promised us we would get our Modification by July 2010….we followed his instructions not to pay our mortgage since last November.The mortgage holder is still asking us for documents almost a year later… Now we are in forclosure…..I dont know what part of the country that all of you live in, but in New York we handle things a little differantly, if you know what I mean. LaJolla California is only a plane trip away. Of course when we spoke with Christy Commons, she said Mike no longer works here and she dont know where he is but I found him on facebook……Facebook him hes the young guy with sunglasses standing next to a white vehicle…I contacted him under a ficticious name and he responded with they let me go without notice and they are about to shut down..Hes the one that scammed me, I called the district attorney to get only lip service…..OK have it your way
    Our mentallity in New York is not the same as the Ivory Tower Attorneys in California……….Ladies and Gentlemen its time we all take action….lets have a forum and a comeup with some sort of classaction lawsuit…..I am personally…and legally going to get even with Mike Zivkovic…but I would like to see all those people at US MORTGAGEBAILOUT spend some Jailtime and be forced to fully pay everyones mortgage in full for there dastardly deeds….
    I am sorry for being a Hot Head but this is not a joke and I am mad

    My Email address is [email protected]
    Unity is strength…lets put these people behind bars where they belong

    Jim and Antoinette
    I am not an attorney, We are middle class American born working people with two children and a forclosure notice…

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

      I received the comment below from a Mike regarding Jokerzig’s comment above. In Mike’s comment to me he says he feels threatened but I don’t see any evidence of physical harm in Jokerzig’s comment so I am not removing it at this time.

      Mike’s Comment

      Your blog was brought to my attention last week. I was an employee at US Mortgage Bailout. My job as a representative was to take a phone application, review the findings with the negotiations team if need be and bring them into the program. Once they were in the program, I was to advise them of what was happening with the case. I was not responsible for taking their money, not responsible for negotiating their case, simply to update them as to what was happening. I did my job to the best of my ability until I (as all the other agents) were let go on 8/16/10 without pay.

      There is client that I was assigned (posting comments under Jokerzig) named John and Antoniette. These people came into the program in mid-December. I received all their info and submitted. I did everything I was supposed to throughout the process. Since I have left the company, these individuals have stalked me on Facebook with threats and have now threatened me publicly on your blog. I tried to e-mail them last evening with the information they provided, and was once again threatened, this time in an email. At this point, I feel my safety and the safety of my family is threatened.

      According to your blog rules, any threats will not be tolerated:
      “P.S. Everyone needs to promise me, if anyone has made threats to physically harm any USMB employee, STOP DOING THAT! I have told the USMB employee that contacted me they should file a police report if anyone has threatened to harm them.”

      At this point, I truly feel threatened and ask that you please remove the comment stated by Jokerzig. By the way, I believe this is the same person that also posted under You Lose.

      I appreciate your time and attention to this, and please confirm once this is removed. Feel free to contact me via email regarding any questions you may have.

      Thank You!

      • Mishy

        Some of these messages obviously come from being utterly pissed off at this company and those responsible, and to be honest I’ve thought of using a couple of my free flights to personally visit some of them. But what would that do? Get me, not them, in jail.

        We should say as LITTLE as possible on this public forum because if you put the light on, the cockroaches WILL scatter….

        Mishy

      • Jokerzig

        Steve,
        In no way was my comments on this Blog ever supposed to be threatening to Mike. If he recieved him that way I apologize. Please understand I am mad and fustrated. We put all our trust in Mike and he personally let us down…After this Blog, He contacted me by email and I emailed him back. I told him directly that nothing i have ever posted was never meant to be threatening. When I commented I said we handle this differantly in New York…I only meant that we would handle this like men ( maturely) .Mike is proberly to irresponsible to understand that. Apparently Mike is a Storyteller. The same story he told us about motifing our Mortgage which put us in forclosure….Believe me I have read your past comments and would never make any threats, especially in a forum of this kind. Mike has also sent me an email requesting my phone number….Do You think I have anything else to say to him..I will let the Courts decide on that…Oh an by the way Mike told another story, he claims we staked him on facebook…never did….Mikes coincience must be bothering him
        I hope I cleared this up

      • Jokerzig

        Hey Steve,
        I have no problem forwarding you the email I sent Mike. You can see for yourself no threats were ever made! I let him know from the heart how his guidence has devestated our family

      • JohnB

        Hey Steve,
        I agree with you, theres nothing I can see in this comment posted by Jokerzig that indicates any kind of threatening nature to Mike or his family,,It looks to me that, he knowingly initiated a fraud, got in over his head ,got whatever commision
        the company gave him and bailed. Now the poor homeowner is losing the house because of this. Wouldnt you be angry if this was done to you? One possitive thing, I think Mike knew what he were doing at the get go and now hes squirming and sweating because the homeowner researched him and are holding him accountable

      • MKW

        NONE of us can “afford” to come to CA, I prefer to let the CA attorney general, and the FTC do their thing.

    • Mario Ruiz de Somocurcio
  • Pinehawker

    My husband and I are also victims of this horrible company. We signed the agreement with them in April of 2010. We dealt with Russell Hollowell, who at that time returned all of my calls promptly. I also did research on this company before I signed the contract and they did seem ligit. I have spoken with my mortgage company who has informed me that they have NEVER received any correspondence from USMB regarding a modification. I have attempted to contact them several times by email and phone and no one has gotten back to me! I can’t believe that theses types of practices are allowed to go on. I would like to receive my $3,000 back from this company and am on board with anyone who is willing to pursue this. I am one of the lucky ones I guess because I have received a mod from my mortgage company in the mean time but that still does not excuse the practices of this company. I have filed a report with the CA attorney general. If there is anything else I need to do please let me know. This company needs to be stopped from doing this to anyone else in the future. They should be ashamed of themselves!!!!!

  • Mishy
  • Mishy

    Ms. Bolden, I am very sorry and apologize if you misconstrued my comments to mean that all those employees I listed did something illegal.

    In an effort to collect any and all information about this company and its practices, it’s crucial to have as many correct persons and company names as possible so that those responsible for any wrongdoing can be pinpointed. This is why I listed the names given to me, requesting that people confirm spellings and supplement any additional names I’m missing.

    I’ve been in the legal profession for 20+ years and was very careful not to get any near to committing libel per se. It’s actually a lot closer to ‘libel per quod’, but this wouldn’t pass in any court.

    There are obviously a lot of people here in need of help. I welcome you to help us out, especially if you have done nothing wrong; and of course, any correspondence with you would be kept strictly confidential! I pray you will.

    Mishy

  • Lorierubino

    Also i would like to add that i did the research on this company before i used them to see if they were a scam and everything checked out they had no complaints from the better buisness buro, they had a legal license status with the state of california for real estate, this was the info i recieved from the state of california in march before i did buisness with them

    License Type: Corporation
    Name K2 Capital Management INC

    Mailing Address: 7825 fay Ave Ste 112 La Jolla, CA 92037
    License ID: 01863418
    Expiration date: 04/30/2013
    LIsense status: Licensed
    Corporation License Issued: 05/01/2009 (Unofficial—taken from secondary records)
    Former Name(s): No former names
    Main office: 7825 Fay ave STE 112 La JOllA, CA 92037
    Licensed Officer(s): Designated OFFicer 01001803-expiration date 4-30-2013 Layton, Lauren Kerr
    DBA k2 home lans active as of 5-1-2009
    us mortgage bailout active as of 06-02-2009
    USMortgageBailout.com active as of 09-02-2009

    brokers for this address and there license numbers are
    Miller Kidneys Inc 01872498
    K2 capital management Inc. 01863418

    So yes i did the research and according to california this is a ligit company that is why i trusted them to do my buisness with them and now i feel very frustrated because all the research i did just showed me you can have a valid license to scam, so yes i even looked up laura, atternty license to see if she was valid there as well and yes yes she was,,, so what are we to trust if these people can register and look ligit, they are also part of a company by the name of NLMAA which is suppose to be a company that earns people trust as to what companys to trust, if they are part of this company NLMAA says that you should trust them and assures they are ligit…..

    so i did not go into this with out my eyes open i was very convinced they were ligit, so dont feel as if you are trust worthy dummie,, because i did all the research and they paned out so that makes me a dummie to,,, they just made sure not to look like a scram and they did a very good job at it… i hope this helps and yes if there is a law suite in the making i want a part of it…

  • Lorierubino

    Also i would like to add that i did the research on this company before i used them to see if they were a scam and everything checked out they had no complaints from the better buisness buro, they had a legal license status with the state of california for real estate, this was the info i recieved from the state of california in march before i did buisness with them

    License Type: Corporation
    Name K2 Capital Management INC

    Mailing Address: 7825 fay Ave Ste 112 La Jolla, CA 92037
    License ID: 01863418
    Expiration date: 04/30/2013
    LIsense status: Licensed
    Corporation License Issued: 05/01/2009 (Unofficial—taken from secondary records)
    Former Name(s): No former names
    Main office: 7825 Fay ave STE 112 La JOllA, CA 92037
    Licensed Officer(s): Designated OFFicer 01001803-expiration date 4-30-2013 Layton, Lauren Kerr
    DBA k2 home lans active as of 5-1-2009
    us mortgage bailout active as of 06-02-2009
    USMortgageBailout.com active as of 09-02-2009

    brokers for this address and there license numbers are
    Miller Kidneys Inc 01872498
    K2 capital management Inc. 01863418

    So yes i did the research and according to california this is a ligit company that is why i trusted them to do my buisness with them and now i feel very frustrated because all the research i did just showed me you can have a valid license to scam, so yes i even looked up laura, atternty license to see if she was valid there as well and yes yes she was,,, so what are we to trust if these people can register and look ligit, they are also part of a company by the name of NLMAA which is suppose to be a company that earns people trust as to what companys to trust, if they are part of this company NLMAA says that you should trust them and assures they are ligit…..

    so i did not go into this with out my eyes open i was very convinced they were ligit, so dont feel as if you are trust worthy dummie,, because i did all the research and they paned out so that makes me a dummie to,,, they just made sure not to look like a scram and they did a very good job at it… i hope this helps and yes if there is a law suite in the making i want a part of it…

  • Lorierubino

    We, decided to use this company in march they were very informative, and keep in contact while we were making payments, we did 3 payments to total 2,500 dollars we sent them all there paperwork and contract, via fax, the contact was still good if you called they would return your call and say everything is looking good, they assured they had a good repore with our lender and the whole process would take about 4 months…. now here it is Sept 1, 2010 6months later with no word as to what is going on with our modification, and when i call i get a recording that states do to the banks they are no longer excepting applications, if you have a loan or are a client leave a message of email them and they will get back with you within 72 hours. Well that does not sound to promissing now, i have not got a call back i have to call my bank and see what is going on with the mod myself if anything was done. and Know 6months and 2,500 dollars later i dont even know if im going to be able to keep my home. so No i would not recomend this company; If problems were arising i should of been contacted and my money returned since they were unable to hold up to there contract. and i have recieved no word or was informed of such hardships… it all seems alittle convient to me……..

  • Lorierubino

    We, decided to use this company in march they were very informative, and keep in contact while we were making payments, we did 3 payments to total 2,500 dollars we sent them all there paperwork and contract, via fax, the contact was still good if you called they would return your call and say everything is looking good, they assured they had a good repore with our lender and the whole process would take about 4 months…. now here it is Sept 1, 2010 6months later with no word as to what is going on with our modification, and when i call i get a recording that states do to the banks they are no longer excepting applications, if you have a loan or are a client leave a message of email them and they will get back with you within 72 hours. Well that does not sound to promissing now, i have not got a call back i have to call my bank and see what is going on with the mod myself if anything was done. and Know 6months and 2,500 dollars later i dont even know if im going to be able to keep my home. so No i would not recomend this company; If problems were arising i should of been contacted and my money returned since they were unable to hold up to there contract. and i have recieved no word or was informed of such hardships… it all seems alittle convient to me……..

  • Roberta Walker

    I just want to let everyone know that the settlements that are happening with the judgements the Federal Trade Commission is pursuing against these mortgage scam companies will not be going bacl to the victims of these companies but will be deposited into the Federal Treasury.I have been in contact with the FTC and they say that the millions they will be receiving from these companies will not be enough to give back to the victims so it will go to the Treasury.I believe this is victimizing us twice! The FTC is a government organization and paid for by our tax monies and are supposed to be out there protecting us! Although they have been able to ouit a stop to some of these scam companies I still believe the money collected should go back to the victims! Any comments?

  • Seriously?

    Dear Mishy,
    I have read your comments on this blog and have not had an issue with your entries until you posted my name here and implied that I have done something illegal. What you have just done is committed libel per se. In essence your stating that Prudence Bolden was involved in what you perceive as something unlawful. Unless you know for a fact that I have done something illegal/unlawful, I suggest you correct your entry or remove my name.

  • Mishy

    Sorry I’m reposting this so that it will be on top.

    Amy, their new phone number is (858) 454-1366 but unfortunately I highly doubt they will respond to you, unless you’re the lucky 5% of their ‘existing customers’ they’re desperately trying helping.
    They have ‘run out of money’ and won’t be giving many refunds if any.
    BTW folks, all of YOUR up-front money was to be put into a TRUST (BY LAW) and not touched until they performed their services and reached resolution with your mortgagor or needed to refund YOUR money.

    Please everybody, I know it’s very hard to trust anyone, and I have the same problem. Some people who have emailed me I suspect may be USMB and trying to get my information, so that’s why I’m not giving much of my info out.

    But if you email me your contact information, or have already, I will definitely get back to you, preferably by phone, but if not, I can work with email and/or addresses. Trust me there are MANY of us!

    Regarding lawyers, class-action, etc.: That is why I’m trying to get an idea of the size and scope of this because the bigger it is, the more inclined lawyers are willing to do a class-action (obviously $).

    Also, PLEASE everyone, post a report on ripoffreport.com when you can so that we can contact others who’ve had their money STOLEN (the other 95% of us). It only takes 5 minutes to register.

    If you are a former employee and would like to help, please contact me and I will treat you with the utmost confidentially! I know you’re reading this and there has to be at least a couple of you who just didn’t jive with the way they did business. Following are the names of the employees (current & former). If anyone can let me know the correct spellings of some or their full names, please do.

    Melissa Mendoza [email protected]
    Prudence Bolden [email protected]
    Christy Comyns [email protected]
    Mark Kriesel [email protected]
    Avivah Chipps [email protected]
    Jeramiah Fell [email protected]
    Justin Maloni [Malone]
    Justin Miller
    Mike [Zipkivic] or Mike [Zivkovic]
    Cinithia ________
    Charina ________
    Jason Kameya [email protected]
    Russell Hollowell rhollowell@ usmortgagebailout.com
    Mark Connelly [Connely]
    Kyle Connel or Kyle O’Connell

    Lauren Layton, Owner
    Ian Tamer Kideys, Owner
    Brian M. Kandefer, Owner

    BTW, Lauren, Ian and Brian, I wonder EVERY day how you go home to your MILLION (and some multi-) dollar homes in one of the richest parts of the country, and how exactly you sleep at night while people are being made HOMELESS due to your skating on the edge of the law with your WILLFUL and UNLAWFUL NEGLECT!
    I truly hope this is one of, if not THE, last companies you own!

    I have very little faith that my friend will get their money back.
    But I do have faith that I will pursue these people until I witness some form of justice.
    Mishy

  • Mishy

    Sorry I’m reposting this so that it will be on top.

    Amy, their new phone number is (858) 454-1366 but unfortunately I highly doubt they will respond to you, unless you’re the lucky 5% of their ‘existing customers’ they’re desperately trying helping.
    They have ‘run out of money’ and won’t be giving many refunds if any.
    BTW folks, all of YOUR up-front money was to be put into a TRUST (BY LAW) and not touched until they performed their services and reached resolution with your mortgagor or needed to refund YOUR money.

    Please everybody, I know it’s very hard to trust anyone, and I have the same problem. Some people who have emailed me I suspect may be USMB and trying to get my information, so that’s why I’m not giving much of my info out.

    But if you email me your contact information, or have already, I will definitely get back to you, preferably by phone, but if not, I can work with email and/or addresses. Trust me there are MANY of us!

    Regarding lawyers, class-action, etc.: That is why I’m trying to get an idea of the size and scope of this because the bigger it is, the more inclined lawyers are willing to do a class-action (obviously $).

    Also, PLEASE everyone, post a report on ripoffreport.com when you can so that we can contact others who’ve had their money STOLEN (the other 95% of us). It only takes 5 minutes to register.

    If you are a former employee and would like to help, please contact me and I will treat you with the utmost confidentially! I know you’re reading this and there has to be at least a couple of you who just didn’t jive with the way they did business. Following are the names of the employees (current & former). If anyone can let me know the correct spellings of some or their full names, please do.

    Melissa Mendoza [email protected]
    Prudence Bolden [email protected]
    Christy Comyns [email protected]
    Mark Kriesel [email protected]
    Avivah Chipps [email protected]
    Jeramiah Fell [email protected]
    Justin Maloni [Malone]
    Justin Miller
    Mike [Zipkivic] or Mike [Zivkovic]
    Cinithia ________
    Charina ________
    Jason Kameya [email protected]
    Russell Hollowell rhollowell@ usmortgagebailout.com
    Mark Connelly [Connely]
    Kyle Connel or Kyle O’Connell

    Lauren Layton, Owner
    Ian Tamer Kideys, Owner
    Brian M. Kandefer, Owner

    BTW, Lauren, Ian and Brian, I wonder EVERY day how you go home to your MILLION (and some multi-) dollar homes in one of the richest parts of the country, and how exactly you sleep at night while people are being made HOMELESS due to your skating on the edge of the law with your WILLFUL and UNLAWFUL NEGLECT!
    I truly hope this is one of, if not THE, last companies you own!

    I have very little faith that my friend will get their money back.
    But I do have faith that I will pursue these people until I witness some form of justice.
    Mishy

    • Seriously?

      Dear Mishy,
      I have read your comments on this blog and have not had an issue with your entries until you posted my name here and implied that I have done something illegal. What you have just done is committed libel per se. In essence your stating that Prudence Bolden was involved in what you perceive as something unlawful. Unless you know for a fact that I have done something illegal/unlawful, I suggest you correct your entry or remove my name.

      • Mishy

        Ms. Bolden, I am very sorry and apologize if you misconstrued my comments to mean that all those employees I listed did something illegal.

        In an effort to collect any and all information about this company and its practices, it’s crucial to have as many correct persons and company names as possible so that those responsible for any wrongdoing can be pinpointed. This is why I listed the names given to me, requesting that people confirm spellings and supplement any additional names I’m missing.

        I’ve been in the legal profession for 20+ years and was very careful not to get any near to committing libel per se. It’s actually a lot closer to ‘libel per quod’, but this wouldn’t pass in any court.

        There are obviously a lot of people here in need of help. I welcome you to help us out, especially if you have done nothing wrong; and of course, any correspondence with you would be kept strictly confidential! I pray you will.

        Mishy

      • Drini17

        Actually by recieving payment prior to services rendered you, because you represented your company, did do something illegal in the state of California. So, when a statement is truth it is not libel per se, nor is it dire, nor were you defamed. What was said was truth. Here are the laws that YOU, acting as US Mortgage Bailout.com broke:
        - California Business and Professions Code section 17200 by failing to perform services made in exchange for upfront fees;

        - California Civil Code section 2945.4 for unlawfully collecting upfront fees for loan modification services;

        - California Civil Code section 2945.45 for failing to register with the California Attorney General’s Office as foreclosure consultants; and

        - California Penal Code section 487 for grand theft.

        If you want to discuss legal terms, how about you obtain a degree first! There are the unlawful things! So the comment is just fine in staying on here!

      • Mishy

        Drini17, just wondering if you ever get my email?

      • Drini17

        No, Mishy I did not recieve it…I also have some other things I want to talk to you about after I recieve it, I will email more things to you! Thanks in advance.

      • Drini17

        One more thing, though you can’t be held personally liable for damages done to USMB clients, you will still be mentioned as part of any lawsuit brought against them if your name appears on any emails, phone messages, or letters from the company.

      • Drini17

        Most of the readers on here should understand that the employees of the company were acting on behalf of the company. I don’t know about anyone else on here who work for someone else but we don’t have much say as to our job description. We do what we are told, so don’t get upset at the employees. The employees have to understand that the people they hurt for their company are just in dire need of serious help now. We have to remain sain however and remember they were just doing their jobs. DO NOT THREATEN VIOLENCE TOWARDS ANYONE! What is that going to do? Nothing. Our legal system though not perfect, works in so many ways and if you go to the Attorney General of California’s website, you will see all the cases he has won for people like us! BE SMART!

    • Pinehawker

      My husband and I are also victims of this horrible company. We signed the agreement with them in April of 2010. We dealt with Russell Hollowell, who at that time returned all of my calls promptly. I also did research on this company before I signed the contract and they did seem ligit. I have spoken with my mortgage company who has informed me that they have NEVER received any correspondence from USMB regarding a modification. I have attempted to contact them several times by email and phone and no one has gotten back to me! I can’t believe that theses types of practices are allowed to go on. I would like to receive my $3,000 back from this company and am on board with anyone who is willing to pursue this. I am one of the lucky ones I guess because I have received a mod from my mortgage company in the mean time but that still does not excuse the practices of this company. I have filed a report with the CA attorney general. If there is anything else I need to do please let me know. This company needs to be stopped from doing this to anyone else in the future. They should be ashamed of themselves!!!!!

    • Drini17

      Karina Gutierrez

    • Mario Ruiz de Somocurcio

      Hi Mishy .. My name is Mario Ruiz de Somocurcio, I’m one more victim of USMB I paid them
      $ 3,000.00 back in April 2010 to help me with my mortgage,. they did nothing for me, my bank contact me to let me know that they are multiple documents missing on my file, and of course no body is responding there request..
      Please keep me posted and please consider my self for any legal action against USMB.
      Thanks
      Mario Ruiz de Somocurcio
      (360) 265-8892
      [email protected]

    • 123

      I am a former employee. as you know the new address is 909 Prospect St in La Jolla Ca. The new name of the business is Krypton Mortgage.

      • Druizit

        The information that I received is that they are operating under Residential Law Center at 9555 Genesee Avenue Suite 200 San Diego, CA 92121 and more importantly have found that my rep from US Mortgage Bailout now is there continuing taking advantage of people and needs to be stopped. n

  • Employee 2

    I worked for this firm for quite some time and can say that all employees believed that the company would honor the guarantee and unfortunately we had no control over the end resolution for clients.

  • http://GetOutOfDebt.org Steve Rhode

    I think the article we just published will be of interest to people interested in this post. You can click here to read GAO Takes Closer Look at Home Loan Modification Schemes.

  • http://GetOutOfDebt.org Steve Rhode

    Since the employee of US Mortgage Bailout has refused to provide the name of their company in their claims they went bankrupt, I had to go hunt it down. US Mortgage Bailout is a fictitious name for the company. The legal and registered name of the company appears to be K2 Capital Management and the registered agent is Lauren Layton.

    I did a search of bankruptcy filings under the name K2 Capital Management and there are no records of any bankruptcy filing for that company name. Without being able to confirm the statement of the USMB representative that the company filed for bankruptcy, it appears to be not true.

    Lauren Layton is reported to also be the owner of the company but there is no bankruptcy filing under Lauren Layton either.

    I am also totally confused by statements sent to me in an email by an employee. They say they are afraid for their personal safety since the new office address was published on this site but a commenter here that has labeled themselves as a USMB representative and employee has said “Another post on this forum states that we are moving offices and
    setting up a business under another name to continue doing loan modifications or loan audits. This is completely false.”

    Being unable to get a straight answer out of USMB to my direct questions is frustrating for me and I’m not sure what to believe of anything they say at this point.

    But what I do know is that while this is a stressful and emotion filled event for people that feel they have been cheated and lost a lot of money, there is no reason for anyone to threaten any USMB/K2 Capital Management employee with physical harm. Please, nobody do that. This matter will be better resolved without such threats if they have been made.

    I am aware that legal action is in the works against USMB/K2 Capital Management and will probably name the employees of the company as well. Let the courts work this matter out, do not make threats directed at the employees or owner.

    If you feel you have been harmed or injured by USMB then as I have said before, you should file a complaint with the California Attorney General’s office. You can do that online here.

    Once you file a complaint, the Attorney General’s office will begin an investigation and contact the company for a response to the complaint. If the company will not respond to you, they will need to respond to the Office of the Attorney General. The more complaints that are filed, the more attention this matter will get.

    I can not stress enough that it is unfortunate that it has come to this. The company should be getting out in front of this situation and handling this in a much better way as I have stated above in my comments to them.

    In light of the fact they appear not open, seemingly not accurate in what they have to say here, and not willing to provide simple requested information, I am afraid that only leaves harmed consumers to seek redress through the courts and law enforcement.

    USMB, it is totally up to you to stop this train wreck heading your way that you have created. Step up, satisfy your unhappy clients that feel harmed, make refunds and put this matter to rest. otherwise, as I said before, these things just never end well.

    Steve

    P.S. Everyone needs to promise me, if anyone has made threats to physically harm any USMB employee, STOP DOING THAT! I have told the USMB employee that contacted me they should file a police report if anyone has threatened to harm them.

    • Mishy

      The owners of this company are:
      Lauren Layton
      Ian Kideys
      Brian Kandefer

      They are K2 Capital Management Inc. d/b/a US Mortgage Bailout (d/b/a means doing business as). Steve Rhodes is correct, that the most important thing to do first is to file a complaint with the California State’s Attorney General. Then file one with the Federal Trade Commission at https://www.ftccomplaintassistant.gov/. And read here: http://www.ftc.gov/opa/2009/07/loanlies.shtm.

      Then lastly the Department of Real Estate http://www.dre.ca.gov/cons_complaint.html

      All of these entities are heavily involved with loan modification scams right now and are all doing something about them. I am keeping a list of people and hope to get more from ripoffreport.com – I just posted a report on there.

      Mishy

      • Mishy

        Also, has anyone dealt with anyone or anything named iLoan Audit?

      • Kofi Dofour

        Yes – I paid them an additional $2500 on 6/23/10 to perform a forensice loan audit but never got any response. They simply took my money for the loan and dissapeared. This is in addition to taking my $3000 for the modification that failed. I included this in the email I sent you last week. Why, what is the deal with this “i-loan”?

      • Mishy

        Kofi, someone emailed me that name iLoan Audit, and I haven’t find much on them so I thought maybe that is the name of their ‘new’ company name since they may be switching to ‘forensic loan audits’.
        If anyone knows, I’d love to hear!
        Also, please post a report on ripoffreport.com when you can so that others who have been victimized by them can get help.
        Thanks! Mishy

    • http://www.ftc.gov ComplianceSlave

      K2…. Where have I heard THAT before????????? Hahaha

  • Mishy

    Hello all,
    I have received emails from several of you here and have responded to most but in case I haven’t responded to yours, I promise I will be getting back to you very soon! If you haven’t emailed me yet, please do so so that I can count you in. [email protected]
    Thanks everyone and keep your chins up. Justice is not ONLY for the rich, I have to believe that. Mishy

  • Jacqueline Eng

    I got so much mail on something referring to S392 saying we now had the legal rights to reduce our debt. Magic wand and most of it goes away. They had all my info and my husbands info, so they got it somewhere. Well, I asked this man to explain this to me, and he told me that it’s simple. You stop making your credit card payments. Their company provides you with a fake address and phone number. Then they say they negotiate a settlement for almost 40% of your existing debt. All this time, you are putting a payment into a savings account at a place they have picked out. Then after the company settles, you pay the settlement amount.
    He then went on to tell me this was perfectly legal and the only way to protest the robbery committed by the credit card companies. He backed it up when I said it sounded illegal, by saying it was regulated by the Federal Trade Commission, Financial Reform Act, and s392. He also included the FDIC as the account they would put your money in to pay off this “settlement”.
    I was stunned because it sounded like a terrible thing to do to your credit and we are never late on our payments.
    I went to the FTC website, which had only negative things to say about this. I read the Financial Reform Act and couldn’t find anything related to what he was talking about. I looked up s92,and still couldn’t find a connection or justification for what he said.
    I can only equate it to buying a car on credit, not making payments, and hiding the car so it may not be repo’d. Stealing is stealing, do you think? Just wondering your thoughts on this. I think there should be a warning out on these things that come in the mail everyday.

  • http://www.digitaldesigndev.com PJ

    USMB, you said: “The problem is that on forums such as this you only hear the bad, nobody ever goes out of their way to post the good results that we have obtained for people.”

    Refund my family’s money — all $10,000 of it — I’ll be happy to “go out of my way” to POST the good results!!

  • Employee

    I am writing this email as an employee of USMB. I have read every single post to this website. I have stayed quiet till now. The reason I have not wrote anything until now is because I wanted to see where this company was going.

    So far many of you have tried to imply that USMB has scammed you out of money and now we are opening up as a different company to take on more clients and “take more money”. This is not the case. This company has stopped taking on any new clients of any sort. They are not going into the business of loan modifications or audits. What we are doing however, is for the clients that we did take on before having to close due to circumstances that we could not control, we are continuing to process their files and trying to obtain successful modifications.

    For most of you I know you feel that we as a company took your money, but honestly for every single person we submitted a modification package to your lender. We followed up and continued to be in contact with your lender. For those of you who were misfortunate to lose your home, some of you we stopped several sale dates for. Some we would call from our own homes at 4am because of the time difference and stopped the sale of your home. But the loss of your home was due to the mortgage payment not being paid not due to USMB not doing our job.

    We have obtained hundreds of permanent modifications for very happy customers. I am also in contact with clients daily that even through all the complaints are still happy we are working with them. But for some, through your complaints and disgruntled anger, it is making an already stressful situation worse for them. For those of you that feel we “stole” your money and committed theft. We were hired by you under contract and the money was given to us for proposed services and services were performed. And lastly, I want to thank USMB for not being the company that almost every post here is trying to portray you as.

    • Andrew Jablonsky

      I am a client of US Mortgage Bailout and this company refuses to return my emails or phone calls let alone discuss a refund! I paid you $2995.00 up front. My file was dormant for months due to negligence of US Mortgage Bailout. Poor communication throughout the process. I get a letter from my lender telling me my loan modification is denied. I cannot even get a reply or phone call from you people!!!

    • Unhappy Customer

      Hey Employee of USMB….I am a client of US Mortgage Bailout since August 2009. I paid the $3,000 fees and I got two rejections from my bank due to missing documents filed by USMB. A year later I still am waiting. I paid my fees, I am still paying my mortgage on time, where does it leaves me? Whole lot of nothing and $3,000 of hopelessness.. I called and left tons a messages and emails for Jason Kameya and for Melissa Mendoza. I got no return calls or emails. You are fully of S#$%. You just may be one of the owner who is portraying as happy employee.

    • http://www.digitaldesigndev.com pj

      You say “We were hired by you under contract and the money was given to us for proposed services and services were performed.”

      That’s just it: “proposed services”. Illegal! Money up front — illegal!

      And the “forensic audit” contract also says if you do NOT perform the service, we get our money back. You did NOT perform the service! So where is our money?

      After months, and our continued calls, your “scapegoat employee” informed us that you had NOT done the audit — oh, it must have slipped through the cracks, she said. INDEED! So just refund the money! But rather than a refund, you slammed out a “boilerplate” audit report with NOTHING on it which referred to us as Hispanics! It was your excuse for keeping the money. I guess you thought if we were Hispanic we couldn’t read English!!! And THAT even took you 3 days! How long does it take to xerox a bunch of laws from the law books, address it to JOSE, and then fax it!!

      Stinks of dead fish to me!

      • pki

        BTW, I develop websites. It’s my job. http://www.digitaldesigndev.com See what I did to AvidHosting at Avidhosting.org? I helped put them out of business! And added to Ernesto Haberli’s worst nightmare! So keep changing the name of your company, USMB. I’ll get them all eventually. And WWW here we come!!!

    • jane

      Hi, all;
      I do not think USMB was in business to rib a few people off. I am their customer too. My loan mod. is still under review as they say. I just called up the ‘advocacy department’ of the bank, they said USMB is working on my behalf. They did not lie to me.
      I am a realtor,I deal with banks daily, they are certainly not the easiest people in the world. sometimes I got the ridiculous requests from the banks and their agency. especially the local small banks. some of the banks are impossible to work with, all their mortgage dept.employees are having a performance chart. They are under guildline to give you hard time. I could write a 500 page book about it.
      USMB certainly did not have any easy job to do, I dealt with my bank for 7 months and it went no where, i was always in the dark followed by a rejection. the reason for the rejection is blank! they did not have a reason to reject me just feel like it. then I turn to USMB, things were going to the right direction. hopefully they will still have some employee remain on duty to take care the current active customer.
      I say the banks are the criminals. look at goldman Sach, their stocks were at ~40 09/2009, within a year they were up at 198, how could a stock went up 5 times in 1 year, by exploiting who? for the past 20 year, several of our secretary of US treasury are ex ceo of that company. what do you think?
      The bank is the ones rip us off legally, they control the country and no one is complainting them! if the banks were doing their job, there would be a company like USMB.They get the money there lost on your mortgage note from the our goverment! It is called TARP!!!

      • Sourjane

        Jane,
        Wake up and smell the Rotten Feeces

    • Schwartenhagger

      EMPLOYEE
      You are a COWARD, along with all your S &^$buckets in that office. You are the lowest piece of crap for sticking up for that Slime Corporation…Why…you may have to give back your commission. Sleep tight my enemy, the law will find you and put you in Jail with all the rest of your partners in crime…..

    • MKW

      So where is my refund? I was paid in full for months, Wells Fargo has no record of anyone ever contacting them from USMB. . . . nNow that your phones are shut off how are we to reach you?

  • King & Queen

    Try calling 858 454 1366 – This is the only number that gets answered.

  • King & Queen

    Try calling 858 454 1366 – This is the only number that gets answered.

  • UnderHerWing

    Mishy, you rock!
    U.S. Mortgage Bailout sucks. Cant wait to fly to La Jolla and pee on all of their car door handles!

  • http://www.digitaldesigndev.com pjkinann

    I responded AGAIN because the comment that I included with parentheses was omitted for some reason. So the comment you made needed to be included, because it makes me SICK how you pat yourself on the back when in fact you TOOK money from my ENTIRE FAMILY for a scam “forensic audit”.

  • http://www.digitaldesigndev.com pjkinann

    If you are a “bankrupt” company, then you shouldn’t be taking anyone’s money. This comment of yours almost makes me gag laughing: “If the banks were doing what they were supposed to do, none of you would be in the situation that you are in. You would be amazed at some of the sleazy things these banks are doing to our clients, and in our opinion the big banks are the real criminals.”

    PASSING THE BUCK! just like the liberals do! BLAME SOMEONE ELSE. If YOU TAKE THE MONEY, and you don’t PERFORM, especially with your scamming “forensic audit” then YOU ARE TO BLAME and you are the scammer! WHOEVER TAKES THE MONEY IS RESPONSIBLE! If you can’t perform, you give back the money!

    As contractors, if we take a client’s money and we say we will do a remodel for you, and then for WHATEVER REASON we don’t do the remodel, does that give us the right to BLAME SOMEONE ELSE and KEEP THE MONEY? NO!!! the money goes back to the client because we didn’t do what we said we would do!

    YOU ARE A SCAMMER! I develop websites. I know your names. I will put them on a website! and I will plaster it all over the WWW.

    You think you’re bankrupt now? Wait until the Attorney General of CA hears this one. We already have an attorney who is just ready, willing, and able to contact the AG. He LOVES this stuff! You are no more attorneys than I am, yet you CONNED my son, my daughter and us! ALL OF US! That’s about $10,000 YOU STOLE FROM US, with your LIES ABOUT A “forensic audit” for which we NEVER DID GET A REPORT! Why would we? IT WAS ALL A SCAM by ILLEGAL attorneys!

    You have yours coming. BETTER START RUNNING NOW!!! You are DISGUSTING to rip so many innocent people during one of the worst recessions in our lifetime when money comes SO HARD! Everyone is losing jobs, homes, even families over all this. And then you have the GALL to scam so many people.

    THE SCAMMER IS THE PERSON WHO TOOK THE MONEY! If you can’t perform, GIVE IT BACK!

  • US Mortgage Bailout

    US Mortgage Bailout would like to issue a statement to this forum. As with everything in life there are two sides to every story, and we need to clear up a lot of the lies and accusations that are being made. US Mortgage Bailout was started over two years ago to help homeowners navigate the difficult loan modification process because banks were understaffed and very inefficient, making it very difficult for a homeowner to obtain a loan modification on their own. Over the course of the next year and a half our company helped 100′s of homeowners obtain a loan modification and avoid foreclosure, and we have the clients to back up this claim. We also operated for over a year and a half with a spotless record and zero complaints. Over the course of the past six months the business environment has changed greatly in regards to loan modifications. First of all, lenders have been denying deserving homeowners loan modifications at an ever increasing rate and this caused our refund rate to skyrocket (BTW we have paid out over $400,000 in refunds over the course of our business). Also many states passed legislation preventing companies from collecting upfront fees as of very recent. As soon as this was brought to our attention we stopped taking on new clients. The third issue we starting running into was that a lot of our clients were not making their payments for services rendered. There were a lot of people who obtained loan modifications from our company and never paid in full. So at the end of the day, banks were refusing to do loan modifications, refund rates were skyrocketing, we stopped bringing in new clients, and our existing clients weren’t making their payments to us. This caused us to begin to have serious financial problems and the company is bankrupt at this point. We do have several processing staff that is continuing to work on our existing clients files that have not yet received a modification. All of this being said, this is a case of a failed business. We were never set up to be a scam and all of the people working here are honest hard working people. The accusations that we are criminals and con-artists is very offensive and not true at all. We do understand that because of the financial problems that we are having that there will be some clients that will not receive a loan modification, and we are truly sorry for any harm that we have caused any of our clients, but by no means does that mean that you were scammed or that we are con artists. Most of the people in this forum even acknowledge that things were going very smoothly with our company in the beginning and that we did provide them some level of help. If we were indeed a scam we wouldn’t have provided 100′s of homeowners modifications, and we wouldn’t have paid out over $400,000 in refunds. Unfortunately the business environment became so diffiult that we ultimatley could not survive as a company. We did our best to obtain every client a loan modification but unfortunately we can’t force banks to do something that they refuse to do. If the banks were doing what they were supposed to do, none of you would be in the situation that you are in. You would be amazed at some of the sleazy things these banks are doing to our clients, and in our opinion the big banks are the real criminals. You should concentrate your efforts on fighting back against your bank. Also some people have mentioned that they lost there home because of our company and that we told them not to make their payments. This is completely false. It states right in our contract that you need to continue making your mortgage payments during the loan modification process and it states very clearly that as a client you acknowledge that you have not been advised by anybody at our company not to make mortgage payments. It is every individual’s responsibility to make their mortgage payments, and we have people in this forum that haven’t made a mortgage payment in over a year (this is why a bank foreclosures on a home, not anything we did). Another post on this forum states that we are moving offices and setting up a business under another name to continue doing loan modifications or loan audits. This is completely false. We are a bankrupt company that is no longer in the loan modification business and we have no desire to do anything related to this business. Anybody that is worried about the status of their file should contact their lender directly. Also everybody should continue to make their mortgage payments until there is a resolution with the loan modification request. In closing, we are truly sorry for anybody that did not get a loan modification through our company. We just want everybody to understand that our business went bankrupt due to circumstances outside of our control, and that nobody was ever scammed. Any employee that worked with the company from the beginning can attest that US Mortgage Bailout was always a legitimate business.

    • Hillary Lyons

      How do you sleep at night? My parents have not paid their mortgage in months – under YOUR advice! Their house is now in foreclosure thanks to US Mortgage Bailout. Now that the $2000 check has been cashed, there are suddenly no account reps to take calls or reply to emails.

      Guess what? When you cashed that check, you committed fraud on a federal level. I hope you rot in jail.

      • Mishy

        Yep, it’s called Grand Theft – Penal Code Section 484-502.9. Oh they will rot in some way or another!

    • Zzwit1eyeopen

      US Mortgagebailout.com…..YOU ARE GOING DOWN! Your faces will soon appear on News Agencys across the Country…..After wanted Posters with rewards will be posted in the California Area…..Wait till you all do some prison time, youll have plenty of time to think what you have done to American Working Families across the United States…

    • Joyce

      I am a existing customer(paid in full) have tried to contact the companies thru email, fax and phone message 10 days ago, up to this point, no one from this company has ever reply m email, fax or phone message. The lender is waiting for a update from US mortgage bailout, Are you really have someone still working on the current client’s case?

    • MKW

      Yeah, right, your phones are shut off, you have our money and now you’re gone . . .

    • Plmcfall

      well well well, where is mike zipcovic ur company has to refund mah $3000 ,,if u say u refund $400,000 yea rite, then why not include us,,,work was not perform like u promised then u lied,,, no replies after u took mah money after being promising at first,,,dont try to make us feel sorry about what has happened to ur company,,da reason why u said u bankrubt is ur on da run right,,,,yes u can run but u cant hide,,,,scammers

  • Mishy

    Thanks for the comment and info Mr. Bauer. If anyone has any additional information they would like to share, such as names, addresses, etc., please do email me at [email protected]. Also, if you’d like to be added to the list of people shafted by this company, and in the event it turns into a class action, please email me your email or contact information and I’ll keep it to keep you up to date on busting up these criminals @ USMB. Thanks!

    • trying to help

      the addresses were already posted. They have always posted the 7825 Fay Ave, La Jolla Ca address which shows on the documentation you may have signed or received. Now they have a new addresss of 909 Prospect St #230, La Jolla,CA.

      For those who paid to do a Forensic Loan Audit. see link below(cut and paste to your browser or google Forensic Loan Audits and you’ll see they are a scam or set up to fail.)

      http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt177.shtm

      I filed a complaint with the Federal Trade Commission which sends out the complaints to the local agencies to handle companies like USMB. Go under their website. Which is http://www.ftc.gov and see a tab that says Consumer protection, under that tab is a sub-tab for “filing a complaint”.

  • Robert Bauer

    Our story is the same as most everyone elses.Paid $3000.00 for 9 months of promises.Everything they told us would’nt happen,happened.We were fortunate enough to have called our lender at the last minute and our home was saved with NO thanks to usmb.We all got screwed.Unfortunately justice is for the RICH and we are not rich by any means. Has anyone talked to Russell Hollowell? What a nice guy, a real smooth talker. I finally got a call last thursday from him telling me he was leaving the company because they were going in a direction he was not comfortable with!!! What does that tell all of us? WE GOT SCREWED!!!! I feel bad for all of us, we certainly didn’t have the 3k to throw out. We have filed bankruptcy because they failed us. We went on trust and I guess we all learned something. If it sounds too good to be true—-it is!! I pray all of us will recover from this misfortune. We all need to contact our attorney general and get these gus in jail. Best of luck to all. B. Bauer

  • Mishy

    For all of your information, especially USMB/K2 employees and affiliates, USMortgageBailout and all employees will get what they deserve in due time! I’m working on busting their *&#@*% as__es every available minute I get. I will get a refund for a friend and when I figure out how everyone else here that’s been screwed by them can, I will let you all know who to contact. If you have additional information or contacts regarding USMB that you can send me, please send it to [email protected]. They can’t run forever.

    BTW, Mr. Rhodes, just curious how you came about asking about this company? Were you scammed yourself or was it brought to your attention?

    • http://GetOutOfDebt.org Steve Rhode

      At some point in the past I crossed paths with them. I don’t remember which story I was working on when that happened.

      Steve

      • janet

        I am going through the same thing they coned me in a modification gave them $3,000 and are no longer there and told me not to pay my morgage what kind of people are they i hope they joke on the money. Now i am going into 6th month with the bank, hope i dont louse my home also.

      • Mishy

        BTW, Thank You so much for starting this open forum/blog Mr. Rhodes!

  • Brandon

    I thought the going rate for this service was $3000?… I have to admit, i do believe they helped get the ball rolling for me, BUT, now? Where the hell are they? and they are all paid up, and i’m left here hanging? And still with no response from them AT ALL. The little bit of advice I ablorbed from them helped me, but it was not worth $3K. I should have known better when the person who originally started the process for me, Mark Connely. He seemed like he was working FOR me, but when he left, i was stranded. Thanks for taking my money and not responding to me USMortgageBailout.com

    • Jen Gidcumb

      Mark Connely huh, I havent seen my agents name in this thread at all yet. He was Kyle Connel. Did anyone else work with him? We started with this company in Jan and after 8 months our mod was denied by Chase. He said the best thing to do is do a forensic audit , of course it would be an additional 2000. We made the first payment for that earlier this month and we were due another in Sept now that I have read this we are attemping to cancel and get all our money back including the 3000 for the Mod but no one can be reached. How do you fight this kind of behavior. Our property tax is not escrolled, have to save it over the year ourselves. It was our property tax money we used to pay them. Kyle said after about a month when Chase got the audit results we would not have to pay our morgage legally untill the issue was resolved. We planned to use those morgage payments to replenish our Tax savings. Now if we dont get a refund I dont know how in the hell we will pay our taxes. If anyone happens on a class action let me know we are in!!!!

  • Kris – AZ

    In my case I was already behind due to unfortunate circumstances. I trusted this company to help my family get back on track and keep our home of 11yrs. I had tried to get our Mortgage company to help us and only to hear we didnt qualify and they would not help us!! usmtgbailout was great in the beginning and once we gave them our $3k they still were returning calls and emails my rep was Mark McConnely he was great then he took leave of absence and we had new rep Melissa Mendoza who never returned calls or emails!!! We gave them $3k in 11/09. they saved our house once from auction sale in Jan. then Melissa’s response always was its still in processing but you are approved just waiting on your mtg company. Then on Jun 15, 2010 our sold at auction had on idea no warning not even paperwork or call from our Mortgage co.!!! tried to get ahold of Melissa and finally that evening she calls to basically tell us your home sold and there is nothing we can do sorry! Oh but you are entitled to a full refund of your 3k!! As of today 8/23 NOTHING and no response form usmtgbailout! I have filed complaints with FTC and Dist Attorney of San Diego also. I just hope they get caught and no one else’s falls for their lies!!!

  • lovely

    I got a modification recently from us morg bailout. I paid $2000. I read some of your complaints and a little bewildered at some of you not making your mortgage payments because some stranger told you not too. While this company is much to blame for its errors, we has homeowner have to take some of blame. We want to blame others for whats happening to us. I got scammed a couple of times over my 58 yrs of living. The money can be recovered, you just have to move forward and work on saving your homes on your own. I got denied twice by my bank and then took a leap of faith with us morg bail out and spk to an Anna or Anett. I finally got my mod! I guess just in the nick of time. I heard the place is shutting down and no one works there anymore.

    • Jack

      I was scammed. My husband and I are responsible homeowners that needed assistance in lowering our mortgage because our interest rate is to high. We pay our mortgage on time and is priority so we are not blaming USMB for foreclosures, or losing our house because we still have our home. We tried to USMB to help us lighten the mortgage load but what most people , including myself, on this forum are upset about is that USMB offered a service that they did not fulfill!! We payed them to do a loan modification and they did not! They wasted a year of my time, and took 2500 (all of our savings). So tell me, what blame do I have??? Other than the obvious-trusting USMB!

  • trying to help

    The Owners of USMB are in the middle of moving to 909 Prospect St #230 in La Jolla, CA 92037 is what I was told. They do not answer the phones there because they are hiding of you. They do not plan on giving back any refunds either. They may have months ago, but just dont have the money or choose not to. They have bounced checks to their employees. They are starting a new business name and “service”. IF you want your money back, file a complaint with the FTC or District Atty in San Diego. I did today! If you dont get your money back, at least you can stop them from continuing this cycle. They are doing Forensic Loan Audits! where they are set up to fail or just a scam. They charged homeowners $3000- $7000 for this and now they are moving and changing names. IF you do get one of the owners on the line, they will smooth talk you as if all is okay and that they will take care of you. They make a living at hustling homeowners. Some of the modifications have gone through because of the girls/employees efforts in sincerely trying to help, but they are overwhelmed and way way understaffed. I tried to warn a few homeowners(I used to work there) but being blind and hopeful homeowners kept making payments to USMB. Ian and Brian hide behind the girls in the office and let them deal with the mess of the complaints and threats. They put up with a very stressful job because they are their own source of income and cannot draw unemployment if they quit. The owners of USMB are Ian Kideys and Brian Kandafer. They have change companies name many times and now doing it again. I quit that job and feel like I lost about 40lbs. What a relief!

    • Brandon

      Thanks for the info! Do you know the name of the company they are starting?

      • jockey

        I know of these guys and people who worked for them. I was thinking about working for them. I heard alot of crap. glad I didnt. I will try and find out. I live in the local area. Wont be hard.

      • Dona

        LET US KNOW! MY HUSBAND WANTS TO KICK THE &^%@ OUT OF THEM!

      • Mishy

        Jockey, please, if you have a heart, you will let us know the names and any other info. I personally don’t care to kick their butts, but I want them to pay for damaging so much people’s lives. You can email me anonymously at BustUSMB[@]gmail.com. Thank you!! Mishy

    • happy customer

      I signed up with US Mortgage Bailout in September 2009, paid them $2,995 and received a completed modification in February 2010, they saved my home and life. I did refer 3 friends and they all did receive modifications as well. It sounds like you are a disgruntal employee.

      • Mr Attorney

        I am a licensed attorney and was very happy with the out come of my modification, a 2% rate for 30 years. What’s wrong with this country right now is that people do not want to be held accountable for their actions. How convenient that you don’t pay your mortgage and when you lose your home it’s someone elses fault. Take some responsibility and apy your bills.

      • Kofi Dofour

        Its not about note taking responsibility – its about paying someone to perform a service and getting scammed. Save the nice talk for someone else because I don’t believe you are real. If you paid me to watch your dog and came home to find your dog missing or dead wouldn’t you hold me responsible?

      • http://GetOutOfDebt.org Steve Rhode

        Do you happen to know commenter Happy Customer?

      • MKW

        YOU sound like a company man to me, I can’t imagine any attorney who can’t pay his bills when you charge $150 -250 and hour to your clients. If you need a modification perhaps you’re living above your means. We were pentioned out, unemployed and retired.

      • mike and rose

        “happy customer” and “Mr Attorney” are full of it! Probably another us mortgage bail out scam! why would an attorney pay a company to do a modification when they know the law and risk?! a lot of us didn’t know! no matter if you got a modification or help from them, they screwed over a lot of people and should not get away with it!

      • norm

        I see you did not use you name are you one of the owners?

      • MKW

        Hardly, evidently you were one of the lucky “100′s” they’ve helped, what about the thousands of us they refuse to refund???

    • Kofi Dofour

      I noticed that they have changed their website – I was stupid enough to pay them an additional $2500 for a forensic audit after paying them $3000 for a modification that never happended. They advised me to file for bankruptcy to stop the sale of my house, while the audit was being performed. I was told by Mike Zivkovic that the audit will come back in 2 to 3 weeks – this was in the first week of July. For weeks now nobody picks up the phone or replies to emails. This is the worst thing that has happened to me in my life – I was completely blindsided. I wish I had read reports like this before coming into this companies crosshairs.

      • Mr. Attorney

        Mr. Dofour,

        Your anology is not completely reflective of the relationship. It would be similar to you not feeding your dog for days and then hiring a dog sitter to watch your dog in which you come home and find out that he has died of starvation. By the way how many months or years have you not paid your mortgage?

      • http://GetOutOfDebt.org Steve Rhode

        Can you please help me to understand why you are also posting comments on this thread under the name happy customer?

        Additionally the domain you used for your email address under this commenter name and ‘happy customer’ are not valid sites. How can we be sure your comments are authentic or should they be marked as spam and deleted?

        Steve

      • Kofi Dofour

        With all that I am going through I am really not interested in trading barbs with you. This is my life – you might think this is just some fun and laughs on the internet because you are not real, but many people have put confidence in this company and have come up short. The least they can do and man up and give people their money back. If I pay you to do something and you fail to perform, and you agree that if you fail you will give me my money back, any decent human being would do just that. This company is savage, especially the employees because they are the ones that feed you the lies while rolling in your money. I don’t know what they did with my $5500 but I sure didn’t get any return on my money. I have oontacted Cali’s state officials about this compmay and filed a complaint – I also plan on hiring an attorney to get my money back and then some. Dont kick people while they are already down Mr. Attorny/ Happy Customer – get a soul.

      • Pissed

        I have also been waiting for a reply on my audit started in July. I just found out this service is provided for free by NACA. OMG , I feel ike an idiot. I have a lot of stress prepetuated health problem this whole thing is making my life miserable both mentally and physically. I also looked into an lawyer in Milwaukee WI. Her name is Susan LaCava if anyone is interested. I really hate it when we do get responses they say stuff like ” it shouild be done by this Friday”, Then a week and a half goes by and no one can be reached. We stopped payment on the last payment we owed them.
        I really hate how mad they make me.

      • Avenger

        MIKE ZIVKOVIC IS A LOW LIFE BAST__D….MIKE ZIVKOVIC IS A THEIF, CON ARTIST, LIER , A PUNK, AND A FILTY PIECE OF SH.T…….MIKE THE LAW IS GOING TO LOCK YOU UP…..YOU DIRTY F..K

      • Plmcfall

        same guy that ripped me up and talks like a thief, I wish I knew and still got his emails he send me with 100 percent refund mah $3000 if they fail and they did but now no refund,,,liers

    • Mishy

      Trying To Help,
      Thanks so much for trying to help! The more stories I read, the more absolutely DISGUSTED I am with this company. One person said it right, they are savage vultures preying on the weak! If you would be so kind as to email me, I’d appreciated it more than I can express. Thanks again, Mishy

      • Youlose

        Are you in fact Mz Mendoza? Why dont you return my calls. Maybe because you know you are deeply involved… As I recommended to Mike Zivkovic , if you knowingly are involved in this scam, you too will face the legal consequnces.
        I am personally researching all you people who are employed at Mortgagebailout.com. As soon as I get all your home adresses you will be hearing from The District Attorney and my Lawyer.
        I hope you have enough money to pay for the damages to the inocent people you prayed on
        Also get a good lawyer, youll need one

    • Mishy

      Keep in mind everyone, that USMB is obviously reading this blog, and most definitely changing their actions in some capacity.

    • MKW

      I also filed with the States Attorney in CA for county of San Diego. Also FTC. Curious, did everyone BUT me get a copy of the contract back?? All I have are bank statements showing the amounts they withdrew from the account.

      • Jack

        I have my contract with USMB. I actually kept one and a copy and sent another one signed to them back in Jan ’10.

  • Brandon

    I singed up with usmb in June of 2009. I did manage to get into the trail payments with BoA. I dont know what the hell happened recently? I call over and over and send emails every day, and cannot touch base with any one! I think the company might have went belly up… If any one can prove me wrong, please tell me. I am at the final stages with my modification, and am now in FULL contact with Bank of America. The only reason i paid USMB is because i didnt want to be in the middle of it. WTF?! Im gonna lose my mind, house, and a bunch of crap if this dont go though…

    • Brandon

      Ok, I just found out that in the state of California you cannot charge for modifications (http://dre.ca.gov/) as of Oct. 2009. So… I’m sol on that. But i did find the most useful and helpful place to help with all my modification problems just a minutes ago, and it was completly FREE and will help any one. They talked there way to the top with Bank of Amercia, with me on the line, in the matter of minutes, where it takes me hours of talking to BoA and getting absoultly no where. Consumer Credit Counsle Sercvice of San Fransico ( aka CCCSSF ). I recomend any one who needs help to talk to them, or the HOPE Team, which is also free, but CCCSSF didnt treat me like a piece of meat. Actually there were a pleasure to talk to, and they could have gotten me much further in one month that USMB has gotten me in more than a year, and I paied for a free service with USMB… Please call these one of these two numbers and they will help you for no cost, and I am pretty sure HOPE is 24hrs, and both are good across the USA.

      CCCSSF 866-520-0922
      HOPE 888-995-HOPE

  • Kristie

    I signed up with this company back in November 2009, paid them 3k had a rep that was great responed to my emails daily then he took leave of absence and we were dealing with new rep who would never return calls or emails! On June 15th our home of 11yrs was sold at an auction and we had no idea or paperwork or phone calls NOTHING!!!! We were already approved according to Us Mtg Bailout. I called them asap that day asking what the heck is going on and it took all day for someone to call me and pretty much tell I am screwed and have lost our home! We are a huge family of 5 kids and 3 dogs and it devasted our family! Now since June we have been trying to get our refund which they told us it was being mailed out August 8th! We have not received a dime and they dont answer phone or return calls or emails!! SCAM FRAUD COMPANY DO NOT RECOMMEND TO ANYONE!!!!

    • Lat747down

      We must have had the same agent, because ours took a leave of absence as soon as we signed up. We have a family of five and two dogs. I hope there is a lawyer reading this forum. Man I am sorry that we are in the same boat.

      TJ

      • MKW

        our original “rep” was Tim Fennell, who supposedly quit in May. . . .

  • Kristin

    Same thing happened to me and was advised to do the same thing by Jeremiah Fell…stop paying our mortgage because we will not be approved for modification..this company is a scam.. DO NOT USE THEM!!! they are currently packing and moving and most likely not refunding anyone’s money. I learned the hard way that your mortgage lender will work with you and they have many different programs to help homeowners, and if you get denied at first, you can resubmit an application. We got denied with US mortgage bailout, and when I recently spoke to my mortgage company they went over all of the numbers that were sent in by USMB and they were insanely off…so we have since resubmitted a package with much help from the mortgage lender (FOR FREE) and are hoping to get approved this time. Please do not use any of these companies, you can fill out the paperwork easily and if you are in contact with your mortgage company often, they will guide you through the whole process and all of your options. I wish everyone the best of luck…just please do not use US Mortgage Bailout!!!!

  • dan

    I have to say that up until 2 weeks ago, I thought everything was being handled by USMB. The sherrif sale notice taped to the door, the letters from my mortgage co. stating USMB was not responding to them, motification rejection notices for USMBs lack of proper paperwork were all just “part of the process”…..according to JERAMIAH FELL. All contact was cut off roughly 3 weeks ago, no one responds…and I mean no one…not IAN or BRIAN CADAFER or JUSTIN MALONI or MELISSA MANDOSA, JUSTIN MILLER, MARK CRESALL, MIKE ZIPKIVIC, CINITHIA and CHARINA taking in consideration these names are real. Its not so much the 3 grand,although it is pretty creepy to kick so many folks while they’re already down and hurting.The encouragement,{legal advice}, to stop paying my mortgage co because it would hurt my chances of a modification, “go ahead and put it towards other bills”,thats what did me in!! Now our home of 19 years wont be ours anymore.I kind of knew i was taking a gamble,foolish move…if you haven’t sent your 3000. in yet……don’t!!! Stay clear of USMORTGAGEBAILOUT.COM!!!!!!!!

  • http://active-debt.com Sean Ryan

    It is illegal & has been since last year for modification companies to charge u upfront- Call their states attorney general- send copy of the contract to them and demand satisfaction. http://getoutofdebt.org/17091/ftc-to-ban-upfront-fees-for-foreclosure-rescue-or-mortgage-modification
    I think its law- IF not, drive the FTC nuts anyway- They have the power to shut scammers down

  • Ron

    Short story, I went though US Mortgage Bail out.com for help and I ended up losing my house. I paid 3K for a service I never received and was promised that I would get my money refunded. It’s been over six months and I have not received my money. I have to 15 August to be out of the house and I need my money to get an apartment and I have nowhere to go. US Mortgage Bail out.com has destroyed my credit so I can’t even get a loan for an apartment and no one there wants’ to return any of my calls, I call them every day. I’m in need of help.

    Who can I talk too for help?

    • Don Darnell

      I Feel for you man, same thing happened to me, luckily I was and still am current on my mortgage. I was told I still qualify for a loan mod. You need to contact your state attorney general and file a complaint, thats what I’m doing. I want this company to go under. I won’t stop until my $$ is returned.

  • William

    My wife and I have fallen behind on our mortgage due to my wife had to quit her job to take care of her sick mother who after time had passed. After that I had also lost my father who had no insurance so I had to pay out of pocket to bury him. We had contacted usmortgagebailout.com and was told they could help us with our situation,that was back in April . We just recieved in the mail from our mortgage company’s attorney a 14 day notice of final judgment. We have not gotten any answers from usmb.com on where we stand. We are worried that we are going to loose our home. We have been here for 13 years, our kids were raised in this home and it holds alot of memories so we really dont want to let it go. My wife has returned to work and I have been promoted in my job, so we are financially better off than we were when we fell behind. We tried working with our mortage company but they seem uninterested in working something out. Our intrest rate is around 13% we tried to get them to lower it but they wont budge.

    What are our options and what should we do in order to save our home.

    • Shannon

      William~
      You need to contact an attorney at this point. Do not rely on this 3rd party company to save your home. There are attorneys who are experienced in working with banks to help homeowners. Also, try contacting your bank yourself and see what you can do….even if it’s just a temporary loan modification.

  • Amy Luk

    I’ve been trying to get hold of them as well. Did anybody had luck of getting their money back? Please help me find their phone number so I can track them down too. I’ve been calling the toll free # and all I get is voicemail.

    • R. Bingham

      Hey,
      The local number I have found is (858) 454-4911. It goes to the same list as calling the toll free #. I have been told that I am approved for whole refund but the first date on June 24 was pushed back to July 23rd and still haven’t received a check yet. I keep calling but never speak to anyone. Good luck!!!

      • Kristie

        I have been told that we are approved for refund also and we lost our home June 15th! We were told check would be mailed Aug. 8th and still NOTHING!!! And yes I keep calling and emailing and no response. Good Luck to everyone!

      • MKW

        all phone numbers are disconnected. . . .
        I have filed with CA attorney general, BBB and the FTC, any class action suits??? Thery have not filed for bankruptcy under US Mortgage Bailout or K2 Capital Management. Their office is not occupied, per the local La Jolla PD. Anyone have a lead on where they moved?

      • Joe

        Ian Kideys filed bankruptcy in the Southern District of California and plead guilty to BANKRUPTCY FRAUD not to mention his indictment in Indiana and 5 year prison sentence as well.

    • Mishy

      Amy, their new phone number is (858) 454-1366 but unfortunately I highly doubt they will respond to you, unless you’re the lucky 5% of their ‘existing customers’ they’re desperately trying helping.
      They have ‘run out of money’ and won’t be giving many refunds if any.
      BTW folks, all of YOUR up-front money was to be put into a TRUST (BY LAW) and not touched until they performed their services and reached resolution with your mortgagor or needed to refund YOUR money.

      Please everybody, I know it’s very hard to trust anyone, and I have the same problem. Some people who have emailed me I suspect may be USMB and trying to get my information, so that’s why I’m not giving much of my info out.

      But if you email me your contact information, or have already, I will definitely get back to you, preferably by phone, but if not, I can work with email and/or addresses. Trust me there are MANY of us!

      Regarding lawyers, class-action, etc.: That is why I’m trying to get an idea of the size and scope of this because the bigger it is, the more inclined lawyers are willing to do a class-action (obviously $).

      Also, PLEASE everyone, post a report on ripoffreport.com when you can so that we can contact others who’ve had their money STOLEN (the other 95% of us). It only takes 5 minutes to register.

      If you are a former employee and would like to help, please contact me and I will treat you with the utmost confidentially! I know you’re reading this and there has to be at least a couple of you who just didn’t jive with the way they did business. Following are the names of the employees (current & former). If anyone can let me know the correct spellings of some or their full names, please do.

      Melissa Mendoza [email protected]
      Prudence Bolden [email protected]
      Christy Comyns [email protected]
      Mark Kriesel [email protected]
      Avivah Chipps [email protected]
      Jeramiah Fell [email protected]
      Justin Maloni [Malone]
      Justin Miller
      Mike [Zipkivic] or Mike [Zivkovic]
      Cinithia ________
      Charina ________
      Jason Kameya jkameya@usmortgagebailout.com
      Russell Hollowell rhollowell@ usmortgagebailout.com
      Mark Connelly [Connely]
      Kyle Connel or Kyle O’Connell

      Lauren Layton, Owner
      Ian Tamer Kideys, Owner
      Brian M. Kandefer, Owner

      BTW, Lauren, Ian and Brian, I wonder EVERY day how you go home to your MILLION (and some multi-) dollar homes in one of the richest parts of the country, and how exactly you sleep at night while people are being made HOMELESS due to your skating on the edge of the law with your WILLFUL and UNLAWFUL NEGLECT!
      I truly hope this is one of, if not THE, last companies you own!

      I have very little faith that my friend will get their money back.
      But I do have faith that I will pursue these people until I witness some form of justice.
      Mishy

      • Dulce Herrick

        Hy Mishy. My name is Dulce Herrick and US Mortage Bailout took from me $1,500. They had just taken my case. My husband and I are unemployed and we sell our valuables to pay these people, so they would help us to get a loan modification. I talked to Russell Hollowell a few times and after that, he never answer my phone calls. They were suppose to take 3 paymens of the same amount every last day of the month. Since neither Mellisa or Rusell called me, and I read this page. I called my bank to stop the payment. Unfortunatelly, the bank was not able to stop the payment on time, and withoun having any communication with me they took the other $1,500 from my check account. I had advised the bank, so I am disputing that money. I about being homeless, because they told me no to contact Bank of America and they had already sent me the Form for filing the loan modification by Federal Express. We are very close to be homeless and we are selling whatever we can. We have passed very dark moments in which killing ourselves have crossed our minds and we felled into a deep depression. we will have to pull the children from school. Thanks God we talded to the principal of our children’s school and she manage to bring back the faith in God and the desire to continue living. If people get together for getting the refund. I want to be included. My husband and I are looking for jobs and we are praying that we get jobs soon. You can e-mail me to pher905469@aol.com
        Dulce

      • Lat747down

        Mishy,

        I have read a lot of messages on this forum, and whoever said that they have been contacted by their company to do their loan modification it is lie. You can’t possibly be telling the truth that US Mortgage bailout had anything to do with it. To the guy who was ahead of your mortgage yeah for you, but for the rest of who were scammed by their real-estate agent to get a house sold (and told us we had to sign for the house or we would be sued) stuck with a mortgage that put us way over our heads. Oh yeah filing recourse against her did us no good because she is no longer licensed. Yeah we were looking for something that could help us save our home, and our investments.

        So when we got in contact with US Mortgage Bailout our agent assured us that he could get our mortgage down to $764.00 which sounded awesome. We signed the papers they sent someone over to get out paper work in November of 2009. We sent them over the next months 2400 or mortgage was 1100. So we had to make decision (pay them to work on our behalf or keep struggling).

        Our last payment was this past February 2010. Then when tried to contact our agent via e-mail we get a response that he is on extended leave (What In The World-I guess I would be to). Then it became a hassle to get contact with anyone in the company. To the anonymous employee if there are so many dedicated workers how come the people that Mishy worked with are the same exact people that I worked with (Melissa Mendoza, and Ian because he is the only one that ever answered the phone). Here it is I thought I was talking to a customer service rep, and I am talking the owner. Passing it off to Melissa way to pass the buck there buddy. Now I will say that after calling 100 times a day (Keep in mind we are in Ohio) I would finally talk to Melissa (who was really nice-because it was great way to say, “I am smiling while we screw you over”) would say yes your paper work is with our lawyers or a rep (never would tell me the reps name) as we speak. So in May we get out foreclosure letter, we are panicking we call US Mortgage Bailout, and Melissa says don’t worry Chase (who now has our mortgage) can not do anything to you as long as you are with us, and send us the paper work. Yet, when we call Chase and say we are working with US Mortgage Bailout they have no clue who we are talking about. So I call back US Mortgage Bailout, don’t worry about it they can’t do anything. Yeah a lot of good that did. Man she was stringing us along because they (she/the company/anyone collecting a check from this company) already had our money.

        When we got a letter for a mediation from our company. We called again and Mellissa said yeah don’t worry about that most people don’t go. WHAT IN THE WORLD WAS I THINKING. Man these people took our money, and cost us our home. We have three children under the age of 1 and two dogs. Our home is up for a sheriffs sale September 29,2010 yeah in like 3 wks although Melissa told me not to worry that they could not do a sheriffs sale as long as we were with them. Yet when we called the sheriffs department last week they confirmed they are indeed doing a sheriffs sale. The preyed on vulnerable people, took money. with no intent to do anything.

        I bet they still have their homes, apartment, condo’s or where ever they live. I am sure they are doing just fine. If I was not a Christian I would make threats to. I am soooooo MAD and FRUSTRATED. It keeps me up at night, because they cost us our home that was on a double lot that provided lots of space for our dogs and our little girls to play. Now we live in an apartment. We could have just worked with Chase to keep our home. All to find out that they should have not taken out money in the first place, and now it is too late (I do hope it is in a trust). Look how many people are on this forum. Look at all the thousands of dollars gone. These people are freaking rich off OUR LAST DOLLARS, and I want my dollars back. I estimate that they owe my family 52,800 because that’s how much we invested in our home over the past four years of paying our mortgage. I want to get on the band wagon to get our 52,800 back. I’ll tell you who I am cause I ain’t scared of no one. I don’t care what lawyer we signed with for a civil suit. If he/she/they can get us our money back then they deserve the dollars. I want the one that can get the job done. So if there is a lawyer out there reading this forum you got a lot of people that need your help. So hit us up we are listening.

        Tanya Jennison
        The Home I No Longer Have is 5135 Yorkshire Dr. Toledo Ohio 43615
        My number is 567-225-4412
        e-mail is lat747down@yahoo.com

        Someone please call me cause I want to get in out the suit. I want them to pay the piper (not meet their maker), but I think they should pay.

        Mishy what you have concerning there information is what I have keep me posted call me e-mail me. We can start by e-mail and go from there. Keep me posted.

        TJ

      • MKW

        So how do we reach you in order to bolster an attack, legally?

      • Asha Sunday

        The correct spelling for one of those names is obviously, Kyle Connell, or H. Kyle Connell, since he so kindly verified for us and confirmed that he did work with this company at the time, by trying to get his name taken off the page.

  • Bill

    Has anyone contacted a lawer to see about sueing this company? I am currently dealing with usmb it has been since April that I have paid in full. I just recieved a notice of final judgment from our mortgage company.After reading all these posts I am real concerned of what the outcome is going to be. If this company is a scam I will be contacting my lawer to see about sueing. Just wondering if anyone has taken this path yet.

    • edward nickey

      waiting 2 hear back from my att.im going for the 25k that i got behind by not makeing payments wile these people partied on my 3k.ill post again when i know more.spred the word these people must b stoped.

      • Mishy

        Mr. Nickey, just wondering if you are working with an attorney yet? You can email me at BustUSMB@gmail.com for confidentiality sake. Thanks, Mishy

  • Nate Chambers

    US Mortgage Bailout.Com is a big con artist company. First of all they were INVIOLATION in taking money from people up front. There own state of california, had to warn them to STOP! TAKING MONEY FROM PEOPLE UP FRONT THAT ARE NOT CALIFORNIA RESIDENTS. So they did, starting feb-2010. In many states it is against the LAW to take up front money from anyone that are NOT RESIDENTS OF THAT STATE.Plus they have FAILED A LOT PEOPLE IN GETTING THERE HOMES MODIFIED! A lot of people have LOST THERE HOMES IN DEALING WITH THIS COMPANY. Iam a VICTIM MYSELF! What iam going to do about IT, IAM writing my congressman about this matter and hoping they can do somthing to STOP THESE HOME BREAKERS! Iam going to Report them also to my STATE GOVERNMENT, HOPING THEY CAN ALSO INTERVENE. TO STOP THESE PEOPLE FROM PROMISING PEOPLE THAT THEY CAN SAVE THERE HOMES, BUT INSTEAD CAUSES THEM TO LOSE THEM! I HOPE THOSE THAT ARE VICTIMS DO SOMETHING ABOUT THIS MATTER. May GOD BLESS THOSE WHO HAVE FALLING VICTIM TO THESE PEOPLE.

    • pete

      I am wating and waiting for something to happen,,I never have my calls returned sinse they took money up front for three month now ..I am sooo worried wats gonna happen to me too and mah mortgage ..I still get calls from mah lender and I told them about a third party U S Mortgage Bailout.com ,,,mah lender says U S mortgage Bailout.com is not doing enough to save mah property….last time I talk to them last month the guy said everything is gonna be ok,,,,I dont know who to trust now ,,please help…they re not returning mah calls,,,is going on da 4th month now,,,,help me plse I don’t wanna loose mah home,,,,

      • edward nickey

        you got screwed just like me.give your home back or file bankruptcy b 4 its to late.

      • jane

        Hi, I signed their contract on early Feb. It is been 6 month now. I did get a letter from the bank said they are discussing my case with USMB. Still waiting at this point. BAC and US bank customers needs extreme patience. My house is 300k under water. Hopefully something will work out.
        Also, if the bank was doing their job right, none of those companies would exist. I am a realtor, I dealt with the banks for my client’s short sale, foreclosure closing etc. It is a super pain, every bank employee got their own opinoin, one points to the east, the other will tell you west is the right direction.That is why I hire other people to to do my own house, could not handle the pressure.
        PS, who is your assigned agt? leave message and do not get answer? try “ian”.I think he is manager there.

      • Gottabekidding

        Jane you say you are a realtor but yet you are possibly in foreclosure??? You should have known to weigh the odds that there may be a time in your life that you may have a smaller income or no income. It’s called an Emergency Fund!!!! My household doesn’t bring in a ton of money either however we did PAY OFF ALL DEBT when the economy started to tank AND GOT SECOND JOBS to assist in paying off those debts….THEN WE STARTED (oh do I dare say the word??) SAVING!! Stop living above your means. I have not missed one beat of paying my mortgage payment because we planned. I really hope that I do not have to continue to pay my mortgage payment while everyone else that got in over their head gets a hand out to squash their “upside down” mortgage payment.

  • Laura

    I would never recommed this company to anyone. I believe they are a scam. They took $2000 up front to help us and what did they do??? Nothing!!! We lost our house to foreclosure 2 weeks ago. We are so upset with them. They were nice at first got our $2000 and then put us on the back burner and wouldn’t return phone calls. When we did talk to them about anything we received in the mail regarding anything to do with our house, they told us “that is standard procedure, just fax it to us and we’ll take care of it”. Or they would say “don’t worry about a thing, everything is on track and looking good”. They told us one thing and another thing would happen. I can’t believe they don’t have a Code of Conduct they must follow. Out of the blue one Monday morning they called and said “sorry your house has just been sold”. We had no idea this was coming, after all they had told us everything is fine, just keep paying your pre trial modification payment. We paid this payment every month for 10 months and look what happened to us. PLEASE don’t let this happen to you or any one else! I believe there needs to be a lawsuit filed against them. Not only did they tell us one thing but do another but they mis-lead us the whole time. Something needs to be done about how they are lying and misleading and with holding information for the people that have come to them for help and have paid them thousands of dollars up front. We have continued to call them and leave voice messages for the past 2 weeks and they have not returned any of our calls. I hope and pray others don’t get taken advantage by this horrible company!

  • kim

    Omg, im dealing with this company right now! and they jus took my last payment. The first person was so right! they was so nice and seem to be very helpful. Now I cant even get answers, I hope this is not a scam. I have a family with a small baby and can not be put out on the streets. I paid them all I have. Now im bout to start calling them and asking for help or my money back.

    • KIM

      I am real sick right now. Everything I was told was a lie! If anyone see this company run!!!! This company is a scam. They ask for money up front, with no results in the end. The people are real nice to you until they collect your money. Then they turn into rude people. I am now one of their victim. I asked alot of questions and looked for complaints on this company. But of course at the time there was none. Once I found out that this company was a scam, I ask for my money back. And of course they refuse to give me my money back. I then find out people have been with this company for years and no results. I dont have years, my bank is not playing nor is this a game. But this is all a game in getting 3k out of people and not helping them with US MORTGAGE BAIL OUT.COM . How do these people sleep at night after robbing familys of their homes with kids. Can someone please help me, This company was my last hope. Now I am all out of money and no one to turn to. Real soon I will be out on the streets with my kids thanks to this company. Can anyone refer me to some help please.

      • Shannon

        Kim~
        You need to seek advice from an attorney. I am a real estate agent and there is no need for anyone to use a 3rd party such as this and have to pay $3000 for this service. Homeowners are able to modify their own loans with their banks. There are plenty of excellent attorneys out there (some are working pro bono for this type of issue) that can help. I am working with a few clients right now who used this company and are now losing their homes in foreclosure. Everyone reading these responses…..YOU DO NOT NEED TO HIRE A 3RD PARTY LIKE THIS TO HELP YOU!!!

      • F Bryant

        i need help, because I have been scam from U.S Bailout.

      • Kristie

        Kim
        We used this company also back in November 2009 and seemed like the right thing to do and they had good rating on BBB then. We lost our home June 15th 2010 right underneath us no notice phone call mail NOTHING!!! Of course very poor communication with UsMortgageB, they have stated that we will get our 3k back but still we have nothing and they do not return calls or emails!!! We had 5 kids 3dogs and 11yrs of stuff we had to move into rental home! SCAM FOR SURE!!!!

      • AVENGER

        Kim I feel very sorry for you and your family….but all of those SOBs at US Mortgagebailout.com will monetarily pay dearly. The owners of that company are financially wealthy from this illegal scam. I think the reason they are not giving refunds because they let go many of their employees who recieved a commission on every client they scammed
        Contact Mishy at bustusmb@gmail.com.. we are all getting together to put these scamming
        bast#$%^* in jail and pay dearly

      • charlie ward

        My name is Charlie Ward and like so many others i have been scammed by these people,my wife recently died of cancer and i am out of work,so i looked to these people for help and all i got was a bad credit score and letters of forclosure.So please let me know what i can do to help bring these people down

    • Stacie

      Good luck trying to get in touch with them. There is no answers on any of the numbers given and emails are not being returned even though they state they will return calls/emails within 72 hours. I am so disgusted right now with them.

  • Stan Walls

    I contacted this company 5 months ago..I was very scared of dealing with a 3rd party. After months of negotiations..I was very happy with the call I received that my modification was granted. I saved over $800.00 a month of my mortgage and was caught up. I would recommend this company to anyone who cant get their bank to help them.

    Stan Walls

    • Marie

      Going on 4 months now, very scared, did you get a Notice under Fair Debt Collection Practices Act letter?

    • pete

      I did receiced a foreclose note,

    • Don Darnell

      You’re full of shit, the company is a scam

  • Anonymous

    I found the company’s website in the internet. I was attracted by the idea of dealing with them, but not now. I would really like to hear more experiences about this company. Thank you so much in advance. They claim to be extremely efficient and have more than 90% of success in loan negotiations. I wonder how much of this is true.

  • http://www.usmortgagebailout.com anonymous

    Contacted company about a modification. Signed their makeshift contract and paid them 3000. 6 months later my house is in foreclosure and I have to come up with 10+ thousand dollars to save it. Communications were great up to the point they received full payment, then getting them to respond to an email or voicemail was like pulling teeth. Company failed to follow up with bank to check status of modification so foreclosure could have been avoided. After the bank told me the modification was denied I called and that was news to them. They refused to give me back my 3k because they were re-submitting the modification request (beating a dead horse in my opinion). Still waiting on the response and my 3k (which I probably won’t get back). They are not a BBB accredited company nor are they approved through the Obama mortgage plan. Excellent scam in my opinion to get 3k from people who are already in a financial situation and are seeking help but get a bunch of empty lies. I would suggest avoiding this company and find a local lawyer who you can sit down with and get this done the right way.

    • pete

      Hi There, How are u going through the foreclosure on ur property,,did you ever get help?wat did you do next about this company?

      • Anonymous

        I’m still waiting on the company to say yea or naa on the modification. As of right now I’m in limbo until I get an answer back. I have spoke with a relestate lawyer who is now advising me on the matter.

      • Anonymous

        So I guess some comments aren’t allowed, hope this site isn’t ran by UMB.com…..I spoke with my mortgage company yesterday, they said that there is no assigned underwriter to my account and that there has been no activity since end of May when they originally denied the modification. I guess I’m lucky though, I have come to a payment plan with the mortgage company to keep my house. After finally getting a response from UMB.com yesterday they said “ohh, your file may have never been resubmitted” this after I was told by multiple personel that it was and that my mortgage company had been in contact with them. Best of luck to everyone, I’ll update you on the final resolution as soon as it happens.

    • http://usmortgagebailout.com Anonymous

      Same thing happened to us. Our home is due to be sold August 3rd in foreclosure. They have never even contacted our first or second mortgage companies. They have my money though. I reported them to the BBB and I am going to the tv news channels.

    • US Mortgage Bailout

      US Mortgage Bailout would like to issue a statement to this forum. As with everything in life there are two sides to every story, and we need to clear up a lot of the lies and accusations that are being made. US Mortgage Bailout was started over two years ago to help homeowners navigate the difficult loan modification process because banks were understaffed and very inefficient, making it very difficult for a homeowner to obtain a loan modification on their own. Over the course of the next year and a half our company helped 100′s of homeowners obtain a loan modification and avoid foreclosure, and we have the clients to back up this claim. We also operated for over a year and a half with a spotless record and zero complaints. Over the course of the past six months the business environment has changed greatly in regards to loan modifications. First of all, lenders have been denying deserving homeowners loan modifications at an ever increasing rate and this caused our refund rate to skyrocket (BTW we have paid out over $400,000 in refunds over the course of our business). Also many states passed legislation preventing companies from collecting upfront fees as of very recent. As soon as this was brought to our attention we stopped taking on new customers. The third issue we starting running into was that a lot of our clients were not making their payments for services rendered. There were a lot of people who obtained loan modifications from our company and never paid in full. So at the end of the day, banks were refusing to do loan modifications, refund rates were skyrocketing, we stopped bringing in new clients, and our existing clients weren’t making their payments to us. This caused us to begin to have serious financial problems and the company is bankrupt at this point. We do have several processing staff that is continuing to work on our existing clients files that have not yet received a modification. All of this being said, this is a case of a failed business. We were never set up to be a scam and all of the people working here are honest hard working people. The accusations that we are criminals and con-artists is very offensive and not true at all. We do understand that because of the financial problems that we are having that there will be some clients that will not receive a loan modification, and we are truly sorry for any harm that we have caused any of our clients, but by no means does that mean that you were scammed or that we are con artists. Most of the people in this forum even acknowledge that things were going very smoothly with our company in the beginning and that we did provide them some level of help. If we were indeed a scam we wouldn’t have provided 100′s of homeowners modifications, and we wouldn’t have paid out over $400,000 in refunds. Unfortunately the business environment became so difficult that we ultimately could not survive as a company. We did our best to obtain every client a loan modification but unfortunately we can’t force banks to do something that they refuse to do. If the banks were doing what they were supposed to do, none of you would be in the situation that you are in. You would be amazed at some of the sleazy things these banks are doing to our clients, and in our opinion the big banks are the real criminals. You should concentrate your efforts on fighting back against your bank. Also some people have mentioned that they lost there home because of our company and that we told them not to make their payments. This is completely false. It states right in our contract that you need to continue making your mortgage payments during the loan modification process and it states very clearly that as a client you acknowledge that you have not been advised by anybody at our company not to make mortgage payments. It is every individuals responsibility to make their mortgage payments, and we have people in this forum that haven’t made a mortgage payment in over a year (this is why a bank foreclosures on a home, not anything we did). Another post on this forum states that we are moving offices and setting up a business under another name to continue doing loan modifications or loan audits. This is completely false. We are a bankrupt company that is no longer in the loan modification business and we have no desire to do anything related to this business. Anybody that is worried about the status of their file should contact their lender directly. Also everybody should continue to make their mortgage payments until there is a resolution with the loan modification request. In closing, we are truly sorry for anybody that did not get a loan modification through our company. We just want everybody to understand that our business went bankrupt due to circumstances outside of our control, and that nobody was ever scammed. Any employee that worked with the company from the beginning can attest that US Mortgage Bailout was always a legitimate business.

      • http://GetOutOfDebt.org Steve Rhode

        Thanks for the update. I have a few questions.

        I did a search for a bankruptcy filing under U.S. Mortgage Bailout and I can find no filing under that name. What was the business name you filed under and when did you file?

        You did not identify yourself. Who are you? Identifying yourself would give greater credibility to your message.

        I am confused about the statement that you are not moving. I received an email from an employee of US Mortgage Bailout who was unhappy that someone posted the new office address. So if you are not moving, that is not the address, the company is bankrupt and out of existence, why is an employee emailing me with concerns that the new address was posted?

        Steve

      • trying to help

        excellent point!! because they are/have moved.

      • US Mortgage Bailout

        To answer your question:

        The company is out of business and is no longer taking on new clients is any capacity. In an effort to process files for our exisitng clients, the company moved its processing staff into a small office just big enough for our existing processors to conitune working on files. Our processors are hard working individuals who want to sincerely help our clients. The reason that an employee emailed you to remove the address is because people on this forum have been calling in making death threats and violent threats against our employees. These are dedicated employees who know that we are not a scam, and wouldn’t be contiuning to work here if it was a scam. They want to conitune to help our clients as best they can but do not want to feel physically threatened by a small majority of unsatisifed clients. We all understand why some clients are mad, and we fell terrible for anybody that has lost their home, but we tried our best in every instance to help our clients. Unfortunately we couldn’t help everyone. There are exisiting clients who still want us to continue working on their file, but this forum and the threats of violence by people in this forum is ironically hurting our ability to continue helping our existing clients. We can’t keep processing files if a small group of people is making threats and causing our processors to feel unsafe. Believe it or not we have many satisfied clients over the past two years. The problem is that on forums such as this you only hear the bad, nobody ever goes out of their way to post the good results that we have obtained for people. The business was never a scam and nobody here is a con artist. The bottom line is that the business ran into financial problems very recently due to several reasons mentioned above, the business is being disolved, and our processors are trying to do their best to continue helping our exisitng clients that have yet to recieve a modification.

        Our main goal has always been for homeowners to obtain loan modifications. Any homeowner, existing client, or past client that still needs help can try contacting Hope Now at http://www.HopeNow.com or by calling 888-995-HOPE.

      • http://GetOutOfDebt.org Steve Rhode

        Dear Still Anonymous USMB Person,

        I’m still trying to understand your crisis approach here. You don’t seem to be helping people to get answers and that path is only going to lead to an escalation of frustration among consumers and some may actually get so angry that they might make threats.

        I’ve asked some very simple questions that you have failed and avoided answering. For example, I asked under what name did the company go bankrupt because a case could not be found under US Mortgage Bailout and you did not answer. I asked who you are and again no answer.

        As long as you post anonymously and don’t stand up many will perceive your words and explanations as hollow. Who are you, do you have any authority to make statements on behalf of the company? Readers just don’t know.

        There are some pretty big issues of concern here. For example, Under California SB94 you should have not been able to collect money in advance as income until the modification work was performed but it appears you took the money, the modification was not completed, and the money is now gone.

        According to the California office of Attorney General site for loan modifications, here, US Mortgage Bailout is not authorized to offer loan modification services, “NO, “us mortgage bailout” is NOT a registered Foreclosure Consultant.”

        In fact the same site goes on to say:

        “Does the foreclosure consultant I’m thinking of doing business with have a Certificate of Registration from the Attorney General’s Office? Does it matter?

        Yes, it matters! You should not do business with a foreclosure consultant who does not have a Certificate of Registration because this person should not be doing business as a foreclosure consultant at all.”

        By the way, for consumers who feel they have been scammed, making death threats is not a helpful exercise. The more appropriate use of energy is to make a formal complaint to the California Attorney General and you can easily do that online here.

        The approach of falling back on the contract is a terrible approach and will only inflame people. That’s akin to saying “You were stupid enough to believe us and signup.” That’s only going to make people angrier.

        If angry customers you are taking money from are making death threats, that above everything else should be a clear warning to you that you just are not handling this well. Happy and satisfied customers do not make death threats.

        If you wanted to try to get ahead of what is surely slipping into some potentially severe personal legal troubles with this many angry consumers then I would suggest the following:

        1. Stop hiding anonymously and stand up and accept responsibility. The damage has already been done.
        2. If you feel consumer claims at this point are unreasonable, appoint an independent third-party to review the consumer claims and make a determination if a refund is warranted.
        3. If you have filed for bankruptcy then give us the case number and name under which you filed and allow us to be able to identify the case. The case should have included all of the customers for who work had not been completed. I would think those customers, as in other similar cases, would have been listed as unsecured creditors and received a notice from the bankruptcy court.

        I have seen and covered many similar cases as the current USMB situation. I can tell you from experience, the way you’ve been handling this so far is a textbook example of the worst way to do it. Please alter your approach or I guarantee you this will only spiral down from here. It always does.

        Steve

      • amitftkd

        A lot of what you wrote is inconsistent and untrue. At what point did the company stop taking clients?
        My husband and I started the process w/USMB in April ’10, he questioned the agent on requiring $$ up front, the response to this was…USMB is not a broker and because there is legal representation it’s allowable.
        -Why would they continue to take $$ from innocent people in despair knowing the company was on the verge of bankruptcy?
        There seems something consistent here:
        -the payment is automatically withdrawn from the clients acct,
        -once the payments are made USMB no longer responds to the clients.
        We WERE told verbally from these hard working people that we could skip a payment or two, that it actually made a better case with our lender, which now we know is part of appeal to lure people in. Some people might still be in their homes today if they were not given that advice.
        We were told the process would take about 3 mths, over the course of the 3 mths we called to check on the status of our case, we were told it was in “negotiations”. We started to get suspicious and called our lender, like some of the others our lender never had any record of USMB communicating with them. We asked USMB for some documentation from our file, the only thing they came up with was a log (I’m sure created in between not taking our calls). We also noticed our agent had a few different company email addresses, which I will retrieve and pass along. So all along we were lied to, nothing was filed w/the lender. Shortly after the agent was no longer with the company and the new one has not responded to our phone calls and emails to this date. Looks like they are not helping the last few clients. Luckily once we started to suspect something was wrong we did all we could and paid our mortgage up to date. We will be seeking legal representation to get our hard earned $3000 back.
        I agree the threats are not the answer but I can understand why people are so upset, it’s a horrible thing to happen to a family.

      • Mom1patl1

        I would like to know who is following thru on open account? We were working with Jason Kameya and no one ever called to tell us you were going out of business. Right now we have no where to turn and you still have our $3000 that would be very helpful to us at this point. If you were not a scam, how come you did not notify people with an open account with you and let them know what was going on? Please let me know about my $3000….

      • Jennifer Gidcumb

        If US Morgage Bailout was not suppost to take money upfront then why do I still have a 5th payment of 1000 dollars pending. The first three were for 1000 for Morgage Mod that was denied in July. Then in Aug we were advised to try a loan audit. So another 1000 in Aug. and a final is schedule in Sept.? I have not spoke to a human being in 3 weeks I get a occasional email from one of the processors but still with no update just more procrastinations each time?

      • amitftkd

        I think it’s clear from all these post you will never get anything for the money you’ve paid so far. I would put a stop on any future payments asap.

      • Hillary Lyons

        How do you sleep at night? My parents have not paid their mortgage in months – under YOUR advice! Their house is now in foreclosure thanks to US Mortgage Bailout. Now that the $2000 check has been cashed, there are suddenly no account reps to take calls or reply to emails.

        Guess what? When you cashed that check, you committed fraud on a federal level. I hope you rot in jail.

      • homeless in MA

        you people at USMB are the real thieves!!!! I never got my refund from you~ you sent a check to me BUT THEN YOU STOPPED PAYMENT ON IT!!!!!!!! I can only hope & pray that you and your former employees get completely ripped off just like I did!!! We did lose our house & to pour salt on the wound you kept my $3000. I hope some day karma bites you in the ass!!!

      • Plmcfall

        •Beware of anyone who asks you to pay a fee in exchange for a counseling service or modification of a delinquent loan.
        •Scam artists often target homeowners who are struggling to meet their mortgage commitment or anxious to sell their homes. Recognize and avoid common scams.
        •Assistance from a HUD-approved housing counselor is FREE.
        •Beware of people who pressure you to sign papers immediately, or who try to convince you that they can “save” your home if you sign or transfer over the deed to your house.
        •Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
        •Never make a mortgage payment to anyone other than your mortgage company without their approval.
        The Obama Administration has launched a coordinated effort across federal and state government and the private sector to target mortgage loan modification fraud and foreclosure rescue scams that threaten to hurt American homeowners and prevent them from getting the help they need during these challenging times. Click here for more information

      • pete

        From: “Mike Zivkovic”
        To:
        plmcfall@comcast.net
        Sent: Tuesday, April 6, 2010 3:22:16 PM
        Subject: For
        Review: Notary Appt. set for Thursday 4/8/10 at 6:00pm MST

        st1:*{behavior:url() }

        Hello Peter,
        It was nice meeting you over the
        phone.
        So to better understand the process,
        we will set up a trust account until the modification is complete. The notary
        will notarize the retainer that we will send to Citi Mortgage once the paperwork
        is sent back to us. The first month when we begin the process, we will send the
        retainer form to the lender and wait our turn to speak with the legal area in
        regards to your situation. The second month is where the major portion of
        negotiations will happen. In your case, we are going to negotiate to remove any
        fees and penalties that have accrued and bring the account back to current
        status. The third month will be when we will finalize the paperwork. The
        beginning of month four you will start your new reduced payment plan. We will
        negotiate a payment of around $1350 per month with taxes and
        insurance.
        The funds you will be paying will be
        held in the trust account and go to the law firm for handling the case. We will
        notify the lender that you are sending good faith payments into the trust
        account. Our success rate is 97% once we pre-qualify the borrower. But in case
        something does go wrong, we will refund 100% of the funds back to you. Or we
        will send it back to the lender and begin a program to get you current.

        We will schedule a notary to bring
        you the contract and pick up the following documents listed below. The first
        payment of $1000 will be due then. You can post date the payment if need be.
        You can then make the second and final payment of $1000 within the next 60
        days. The notary will have you fill out an ACH form to schedule the payment
        dates.
        We specialize in modifying your
        existing loan terms to help borrowers stay in their homes and make it affordable
        for them to do so. We strive to modify your interest rate to anywhere from a
        fixed 2%-4% rate. We are here to fight for you and for your loan and we do have
        a 100% money back guarantee that we will get your loan modified! With our
        services, you are retaining the use of a professional legal team to handle the
        modification for you. By setting up monthly payments, we are able to motivate
        the lender by showing a new payment history, and timely, monthly payments have
        been made in good-faith, which could be being made to them, if they would only
        renegotiate your loan with better, reasonable and fair terms. Ultimately, this
        doesn’t cost you anything, because in the long run you save that money and more
        in the new terms of your loan. We may not be the cheapest quote you received but
        we are the best and as you know when retaining a lawyer you get what you pay
        for. I am confident our legal team will get you a lower interest rate and a
        better loan modification than any of the other companies out
        there.
        We are registered with the Better
        Business Bureau and member of the National Loan Modification Association of
        America. Our Legal Team is very aggressive and will work for the best
        modification possible for you and your family. Bottom line is, we get results
        or you don’t pay. We are sincerely here to help you.
        Here is a list of documents you will
        need to provide:

      • pete

        this is their promise with a 100% money back after I paid this company,,,,,,,,,,$3000 I wanna find this guy till I die !!!!!!From: “Mike Zivkovic”
        To:
        plmcfall@comcast.net
        Sent: Tuesday, April 6, 2010 3:22:16 PM
        Subject: For
        Review: Notary Appt. set for Thursday 4/8/10 at 6:00pm MST

        st1:*{behavior:url() }

        Hello Peter,
        It was nice meeting you over the
        phone.
        So to better understand the process,
        we will set up a trust account until the modification is complete. The notary
        will notarize the retainer that we will send to Citi Mortgage once the paperwork
        is sent back to us. The first month when we begin the process, we will send the
        retainer form to the lender and wait our turn to speak with the legal area in
        regards to your situation. The second month is where the major portion of
        negotiations will happen. In your case, we are going to negotiate to remove any
        fees and penalties that have accrued and bring the account back to current
        status. The third month will be when we will finalize the paperwork. The
        beginning of month four you will start your new reduced payment plan. We will
        negotiate a payment of around $1350 per month with taxes and
        insurance.
        The funds you will be paying will be
        held in the trust account and go to the law firm for handling the case. We will
        notify the lender that you are sending good faith payments into the trust
        account. Our success rate is 97% once we pre-qualify the borrower. But in case
        something does go wrong, we will refund 100% of the funds back to you. Or we
        will send it back to the lender and begin a program to get you current.

        We will schedule a notary to bring
        you the contract and pick up the following documents listed below. The first
        payment of $1000 will be due then. You can post date the payment if need be.
        You can then make the second and final payment of $1000 within the next 60
        days. The notary will have you fill out an ACH form to schedule the payment
        dates.
        We specialize in modifying your
        existing loan terms to help borrowers stay in their homes and make it affordable
        for them to do so. We strive to modify your interest rate to anywhere from a
        fixed 2%-4% rate. We are here to fight for you and for your loan and we do have
        a 100% money back guarantee that we will get your loan modified! With our
        services, you are retaining the use of a professional legal team to handle the
        modification for you. By setting up monthly payments, we are able to motivate
        the lender by showing a new payment history, and timely, monthly payments have
        been made in good-faith, which could be being made to them, if they would only
        renegotiate your loan with better, reasonable and fair terms. Ultimately, this
        doesn’t cost you anything, because in the long run you save that money and more
        in the new terms of your loan. We may not be the cheapest quote you received but
        we are the best and as you know when retaining a lawyer you get what you pay
        for. I am confident our legal team will get you a lower interest rate and a
        better loan modification than any of the other companies out
        there.
        We are registered with the Better
        Business Bureau and member of the National Loan Modification Association of
        America. Our Legal Team is very aggressive and will work for the best
        modification possible for you and your family. Bottom line is, we get results
        or you don’t pay. We are sincerely here to help you.
        Here is a list of documents you will
        need to provide:

      • Karen Shannon

        So where is MY refund? I was working with your “company” back in 2010 and then you went “bankrupt” – so did I. I really would like my money back but I’m not holding my breath – you are thieves.

      • Joe

        Karen the Company never went bankrupt but the owner, Ian Kideys, or Ahyan Kideys sure did …. Oh and by the way he was then convicted of bankruptcy fraud! Got 5 year sentence for that in California and in Indiana he was indicted and plead guilty to wire fraud (Ian Kideys was indicted on 27 or 28 counts!) and was sentenced to 5 years in prison and Ayhan Kideys started serving that sentence December 30, 2013. He is ordered to pay 1.4 million in restitution but good luck with anyone seeing any money from that con man.

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