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Home > Debt Articles > FTC Goes After Residential Relief Foundation, U.S. Homeowners Relief, National Foreclosure Relief, U.S. Foreclosure Relief, Federal Housing Modification Department, Crowder Law Group, Dinmica Finaciera, Nationwide Financial Aid, and Northern Federal Aid

FTC Goes After Residential Relief Foundation, U.S. Homeowners Relief, National Foreclosure Relief, U.S. Foreclosure Relief, Federal Housing Modification Department, Crowder Law Group, Dinmica Finaciera, Nationwide Financial Aid, and Northern Federal Aid

The Federal Trade Commission today announced a series of law enforcement actions as part of the FTC’s continuing crackdown on scams that target homeowners behind in their mortgage payments or facing foreclosure.

At the FTC’s request, federal courts have halted two allegedly bogus mortgage relief operations that posed as government mortgage assistance programs, pending trial. In addition, 17 marketers have been banned from selling mortgage loan modification and foreclosure relief services under court judgments and settlements in several previously filed law enforcement actions. The FTC has charged another mortgage relief operation with contempt for violating 2008 court orders. All of these cases involved alleged false claims that the defendants can obtain dramatically lower mortgage interest rates in exchange for hefty up-front fees.

“We’re serious about stopping con artists who prey upon financially distressed homeowners, and we’ll be bringing more of these cases,” FTC Chairman Jon Leibowitz said. “If you’re worried about keeping your home, avoid anyone who wants a large fee in advance, guarantees they’ll modify a loan or stop foreclosure, or tells you to stop making mortgage payments and pay them instead.”

FTC Complaints

Residential Relief Foundation. The FTC alleges that the defendants falsely claimed their loan modification program could result in waiver of late payments, late fees, and legal fees; conversion of adjustable rates to fixed rates as low as 1 percent; reduction of principal balance; and up to 40 percent lower mortgage payments. They used a logo similar to the Great Seal of the United States and told consumers that it is nearly impossible for homeowners to obtain mortgage modifications on their own. Claiming quick results and a high success rate, the defendants charged a $1,495 up-front fee, advised people to stop making mortgage payments, and falsely claimed that reports they create would enable them to obtain the promised results, according to the FTC’s complaint. They also allegedly improperly disposed of consumers’ information in unsecured dumpsters.

In addition, the FTC charged that in marketing debt relief services for credit card debt, the defendants falsely told people they could become debt free in 12 to 36 months, remove late fees and penalties, and reduce debts up to 50 percent.

At the FTC’s request, a federal court halted the operation, appointed a receiver, and froze the defendants’ assets, pending trial. The FTC seeks to stop the defendants’ deceptive claims permanently and make them forfeit their ill-gotten gains.

The defendants are Residential Relief Foundation Inc., Silver Lining Services LLC, Mitigation America LLC, Michael Valenti, and Bryan J. Melanson, Jillian N. Melanson, Dennis Strzegowski, and James W. Holderness, also doing business as the Law Office of James Holderness. They are charged with violating the FTC Act and the FTC’s Telemarketing Sales Rule by falsely claiming they would obtain loan modifications and significantly lower mortgage payments for consumers, and that reports they create would enable them to do so. They are also charged with misrepresenting an affiliation with the federal government, falsely claiming to have taken reasonable and appropriate measures to protect consumers’ personal information from unauthorized access, and improperly disposing of consumers’ information in unsecured dumpsters, in violation of the FTC Act.

The FTC appreciates the investigative assistance of the Special Inspector General for the Troubled Asset Relief Program, the Better Business Bureau of Greater Maryland, and the Baltimore County Police Department in bringing this case.

“The United States Government’s response to the foreclosure crisis includes programs to support struggling homeowners by modifying their mortgages at no expense to the borrowers,” said Neil Barofsky, Special Inspector General for the Troubled Asset Relief Program. “By engaging in the conduct described in the action announced today, fraudsters hurt not only their direct victims, but also the credibility of the Government’s relief efforts. Such conduct must not be allowed to continue.”

The complaint was filed in the U.S. District Court for the District of Maryland.

U.S. Homeowners Relief. According to the FTC, four companies and six individuals touted a “Government Mortgage Relief Program” that would purportedly reduce mortgage payments as part of the “Obama Act” or the “federal stimulus program,” falsely claiming an affiliation with the government. Claiming a 90 percent or higher success rate, they promised that, in return for a fee of up to $4,250, they could reduce consumers’ monthly mortgage payment and lower their interest rates and principal amounts, or both. The defendants also promised to give full refunds if they failed to obtain loan modifications. The FTC alleged that once consumers paid the fee, they received nothing, did not get refunds, and the defendants stopped responding to their calls or e-mails, disconnected their phone numbers, and changed the name of their business while continuing to make promises and take money from consumers.

At the FTC’s request, a federal court halted the operation and froze the defendants’ assets, pending trial. The FTC seeks to stop the defendants’ deceptive claims and make them forfeit their ill-gotten gains.

The FTC complaint alleges that the defendants claimed to have established relationships with lenders that enabled them to obtain loan modifications on good terms. In mailers that appear tailored to individual recipients, they expressed certainty that the consumers could receive a loan modification by stating that consumers had been “PRE-SELECTED” because their loan situation met the defendants’ criteria, and specified the consumer’s “New 30 Year Fixed Payment.”

The defendants are U.S. Homeowners Relief Inc.; Waypoint Law Group Inc.; American Lending Review Inc.; New Life Solutions Inc.; D.G.C. Consulting LLC; DLD Consulting LLC; Samuel Paul Bain; Macie Mejeco Bain, also known as Macie Mejeco Manns; Aminullah Sarpas, also known as Amin Sarpas and David Sarpas; and Damon Grant Carriger. They are charged with violating the FTC Act and the FTC’s Telemarketing Sales Rule by falsely claiming that people who purchase their services are highly likely to obtain a mortgage loan modification that will make their payments much more affordable, that they are the U.S. government or affiliated with the federal government, and that they will refund consumers’ money if they do not obtain a loan modification.

The complaint was filed in the U.S. District Court for the Central District of California, Southern Division. On September 28, 2010, a federal judge entered a temporary restraining order that, pending a hearing, halted U.S. Homeowners Relief’s allegedly illegal business practices, froze the defendants’ assets, appointed a receiver to manage their businesses, and allowed the FTC and the receiver immediate access to the defendants’ business premises.

Settlements

The FTC also has reached settlements with several defendants who were charged with unlawful practices in four actions filed in 2009. In addition to banning the defendants from the mortgage relief business, the settlement orders permanently prohibit them from misleading consumers about goods and services. That includes falsely claiming to be affiliated with the government, misrepresenting loan or refund terms, and misrepresenting their ability to improve someone’s credit history. The orders also prohibit them from selling or otherwise disclosing customers’ personal information.

National Foreclosure Relief. David Ealy and Hugo Tapia have settled charges that they allegedly falsely claimed their “Fresh Start Program” would stop foreclosure or they would fully refund consumers’ money. The FTC’s complaint alleges that many people paid National Foreclosure Relief, Inc. advance fees of up to $1,000 but still ultimately lost their homes to foreclosure. Others avoided foreclosure only through their own efforts. After paying the fee, consumers who contacted the company for information regarding the status of purported modifications were often either ignored or falsely told that negotiations with their lenders were under way.

The settlement orders against Ealy and Tapia also bar them from enforcing any contracts with mortgage relief clients, and each impose a $12 million judgment that will be suspended when the defendants surrender all funds in bank accounts frozen by the court. The full amount of the judgments will become due immediately if the defendants are found to have misrepresented their financial condition.

The settlements were filed in the U.S. District Court for the Central District of California.

U.S. Foreclosure Relief. Attorney Brandon Moreno and his law firm, Cresidis Legal, have settled charges brought by the FTC and the states of California and Missouri that they allegedly falsely claimed they would get loan modifications for consumers or refund their money, that a lawyer would negotiate the terms of consumers’ home loans with lenders, and that they successfully obtained modifications for at least 85 percent of their clients. More than $614,000 obtained from the eight settling defendants in this matter will be returned to 995 consumers.

The settlement order against Moreno and Cresidis Legal also bars them from violating the FTC’s Telemarketing Sales Rule and enforcing any contracts with mortgage relief clients, and imposes a $1.8 million judgment that is suspended upon Cresidis Legal’s surrender of approximately $131,000 to the court-appointed receiver. The full judgment will become due immediately if the defendants are found to have misrepresented their financial condition.

The settlement was filed in the U.S. District Court for the Central District of California.

Federal Housing Modification Department, Inc., Michael Trap, Glenn Rosofsky, and Bryan Rosenberg have settled FTC charges that they misrepresented themselves as a federal government agency or affiliate and falsely claimed that, in return for a $3,000 fee – typically with half due up-front and half due two weeks later – they would get lenders to modify consumers’ mortgages, substantially lowering their loan payments in virtually every instance.

According to the FTC, the defendants misled consumers into believing they were dealing with a real government program, “Making Home Affordable,” that provides free mortgage loan assistance. They claimed a 90 percent success rate, that only selected customers meeting certain conditions could “qualify” for modification assistance, and that Federal Housing Modification Department had attorneys and forensic accountants on staff. The FTC complaint charged that in fact, very few homeowners got modifications, the defendants accepted the advance fees from almost all applicants, and they had neither lawyers nor accountants on staff.

The settlement orders against the defendants bar them from violating the FTC’s Telemarketing Sales Rule, and require them to dispose of customers’ sensitive personal customer information. Each of the settlements imposes a $900,000 judgment that will be suspended based on their inability to pay. The full judgments will become due immediately if they are found to have misrepresented their financial condition.

Rosofsky and Trap have pleaded guilty to federal criminal conspiracy and money laundering charges. These charges, filed by the U.S. Attorney’s office in the federal district court in San Diego, California, arose from Trap and Rosofsky’s activities on behalf of Federal Housing Modification Department.

The settlements were filed in the U.S. District Court for the District of Columbia.

Crowder Law Group, formerly known as Jackson, Crowder & Associates, PA and doing business as Legal Support Services; Optimum Business Solutions LLC, also known as Attorney Finance Services LLC and doing business as Attorney Finance Services; Bruce Meltzer; and Kathleen Lewis, also doing business as Kathy Lewis have settled charges that they misrepresented themselves as a federal government agency or affiliate and charged a $2,000 up-front fee for services they did not perform. Their personalized postcards to consumers stated, “You may qualify under the new government bailout to refinance your current mortgage . . . .” Some postcards described the defendants’ programs as federal programs and were signed by an attorney in the consumer’s state.

The settlement orders against these defendants prohibit them from violating the FTC’s Telemarketing Sales Rule, trying to collect payment from their customers, and failing to properly dispose of customer information. The orders against Crowder Law Group and Bruce Meltzer, and Optimum Business Solutions and Kathleen Lewis impose a $3.1 million judgment that will be suspended upon the surrender of funds in corporate bank accounts. Litigation continues against Washington Data Resources Inc., Brent McDaniel, Tyna Caldwell, Douglas A. Crowder, and Richard A. Bishop.

The settlements were filed in the U.S. District Court for the Middle District of Florida.

Court Judgment

Dinamica Financiera. A summary judgment entered by the court included a $3.7 million judgment against Dinamica Financiera LLC, Valentin Benitez, and Jose Mario Esquer; a $1.3 million judgment against Soluciones Dinamicas, Inc., Valentin Benitez, and Jose Mario Esquer; and a $394,000 judgment against Oficinas Legales de Eric-Douglas Johnson, Inc., Valentin Benitez, and Eric Douglas Johnson.

The defendants falsely promised Spanish-speaking consumers who were behind on their mortgage payments that they would stop foreclosure or obtain mortgage loan modifications. They charged an up-front fee equivalent to each consumer’s monthly mortgage payment, but often failed to live up to their promises. Many people who paid them did not obtain modifications and ultimately lost their homes.

A summary judgment was entered against the Dinamica Financiera defendants by the U.S. District Court for the Central District of California, Western Division.

Contempt Action

Nationwide Financial Aid and Northern Federal Aid. The FTC filed a civil contempt action against Everard Taylor, Elias Taylor, Ebony Taylor, and National Financial Assistance LLC, alleging that they misled consumers with foreclosure rescue claims in violation of previous court orders imposed on Everard Taylor and Elias Taylor. Court orders entered in March and September 2008 prohibited Everard Taylor and Elias Taylor, and anyone who participates with them, from misrepresenting that they would stop, postpone, or prevent foreclosure, and from misrepresenting the terms of a refund policy. Despite the court orders, the FTC alleges that Everard Taylor, Elias Taylor, and Everard’s wife, Ebony Taylor, operated another mortgage relief scam using the names Nationwide Financial Aid and Northern Federal Aid. The FTC seeks to modify the previous orders to ban Everard Taylor and Elias Taylor from selling mortgage loan modification and foreclosure relief services and make them pay at least $126,000 for consumer refunds.

The contempt action was filed in the U.S. District Court for the District of Eastern District of Texas, Sherman Division.

FTC Goes After Residential Relief Foundation, U.S. Homeowners Relief, National Foreclosure Relief, U.S. Foreclosure Relief, Federal Housing Modification Department, Crowder Law Group, Dinmica Finaciera, Nationwide Financial Aid, and Northern Federal Aid
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FTC Goes After Residential Relief Foundation, U.S. Homeowners Relief, National Foreclosure Relief, U.S. Foreclosure Relief, Federal Housing Modification Department, Crowder Law Group, Dinmica Finaciera, Nationwide Financial Aid, and Northern Federal Aid by

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

    yeah this happen to me in Missouri!

  • Sanfsher

    me too!

  • Sanfsher

    yeah i have tried to get our money back too but apparently they think the notebook and paper they send is worth 1495. good luck! if I hadn’t lost everything I would get a lawyer and sue them!

  • Sanfsher

    I was a customer and was charged $1495 it got me NOTHING but homeless and my house in foreclosure! I had to file bankruptcy and lost my house of 30 years don’t say it was legit when I was told don’t pay and I ended up losing my house because you tell me after the fact oh you have BOA and they are hard to deal with but you will get it done. Then we have a three way phone conference and they tell you too nope we will not modify the loan. then you tell me don’t worry we will fight it and guess what I end up losing my house because you don’t call me back after message after message was left for you to call me back so we can see what we need to do next as a matter of fact I still haven’t hear crap back from RRF! So no my sale date was not STOPPED and NO MY LOAN WAS NOT MODIFIED! YOU DID NOTHING BUT TAKE MY MONEY AND RUN! I LOST EVERYTHING!

  • Disutton

    We too are victoms of RRF and I’m truely devastated this company gave us hope when we desperately needed the help only to find out we’ve been taken advantage of with what little money we had to survive. It took everything we had to get the money up in the first place. It took us three weeks to save it and even then that was hard you know. I can’t understand how American people could hurt those who are in need the most. It’s really bothersom and I hope we get our hard earned money back. Luckily my fiance’ had half a mind to call our lender and work out a plan with them and save our family home otherwise we could have lost it due to this horrible company. I hope what they have done to many many families happens right back to them because this is disgusting and one of the worst things I’ve ever heard of. I’m just besides myself right now and I hope for our sake we get back what we’ve been scammed by these horrible individuals. My name is Ryan Matthew Freitag and I live in Osceola, IN I hope to hear something soon about this horrible ordeal. Thanks for taking time to read my comment.

    Ryan Freitag

  • Disutton

    We too are victoms of RRF and I’m truely devastated this company gave us hope when we desperately needed the help only to find out we’ve been taken advantage of with what little money we had to survive. It took everything we had to get the money up in the first place. It took us three weeks to save it and even then that was hard you know. I can’t understand how American people could hurt those who are in need the most. It’s really bothersom and I hope we get our hard earned money back. Luckily my fiance’ had half a mind to call our lender and work out a plan with them and save our family home otherwise we could have lost it due to this horrible company. I hope what they have done to many many families happens right back to them because this is disgusting and one of the worst things I’ve ever heard of. I’m just besides myself right now and I hope for our sake we get back what we’ve been scammed by these horrible individuals. My name is Ryan Matthew Freitag and I live in Osceola, IN I hope to hear something soon about this horrible ordeal. Thanks for taking time to read my comment.

    Ryan Freitag

    • Sanfsher

      yeah this happen to me in Missouri!

  • Daisylynn1824

    i was working with residential relief foundation out of maryland. i’ve tried to get my money back from these people but they NEVER respond back and i can never get a hold of them. i think i paid them a day after the complaint was put through. please help me

  • T. Baker

    I need my money back from Residential Relief as well just when they got our last installment their operation was shut down leaving me back at square one! NEVER AGAIN will I trust another company like this with my money.

  • T. Baker

    I need my money back from Residential Relief as well just when they got our last installment their operation was shut down leaving me back at square one! NEVER AGAIN will I trust another company like this with my money.

  • Steve Rhode

    Which specific company were you working with?

  • not happy

    how do i go about getting my money back from these people? i would like to put in a claim against them? please help

  • not happy

    how do i go about getting my money back from these people? i would like to put in a claim against them? please help

    • http://GetOutOfDebt.org Steve Rhode

      Which specific company were you working with?

      • Daisylynn1824

        i was working with residential relief foundation out of maryland. i’ve tried to get my money back from these people but they NEVER respond back and i can never get a hold of them. i think i paid them a day after the complaint was put through. please help me

    • Sanfsher

      me too!

  • pissed off person!

    when do you get your money back? everytime i email you people you NEVER respond back. when i call leave messages samething. when i finally get a hold of someone its always the same excuse computers down or we were just about to call you. now i see this?! i should have known something was really wrong. what kind of person takes someones money away from them when they really need it. now i am in serious danger of loosing my home, which i will add was built by family members.

  • Upset

    Were you still making payments to them and they just stop replying to your calls and emails? If so, that because the district court has their hands tied right know, so you won’t see your money until the smoke clears!!

  • Antonioavilam

    my name is antonio they took my money how can i make a claim to get my money back

  • Antonioavilam

    my name is antonio they took my money how can i make a claim to get my money back

    • Upset

      Were you still making payments to them and they just stop replying to your calls and emails? If so, that because the district court has their hands tied right know, so you won’t see your money until the smoke clears!!

  • Faye

    How long did it take for you to get your money back?

  • Upset

    I too signed up with RRF and have not gained any services from them since they started receiving installment payments from me. It does through up a big RED flag to see the FTC going after them. I’m pulling the plug on them and hope to get every dime back that I’ve given them!! I bet that’s going to be awhile because their tied up with legal issues know!

  • Kevin

    I signed up with the Residential Relief Foundation. I sent all my information in but after about a month Bank Of America offered me a modification through them. It wasn’t the best but it did get me out of foreclosure. I told Residential Relief Foundation and they told me it would be in my best interest to accept what Bank Of America offered and reapply with our company 6 months later when you are eligible for another modification. They refunded me all my money and to told best of luck. I think they were very legitimate and I like their advice. I will try to work with them later.

  • Kevin

    I signed up with the Residential Relief Foundation. I sent all my information in but after about a month Bank Of America offered me a modification through them. It wasn’t the best but it did get me out of foreclosure. I told Residential Relief Foundation and they told me it would be in my best interest to accept what Bank Of America offered and reapply with our company 6 months later when you are eligible for another modification. They refunded me all my money and to told best of luck. I think they were very legitimate and I like their advice. I will try to work with them later.

    • Faye

      How long did it take for you to get your money back?

  • Daniel

    I worked for the Residential Relief Foundation and it was not some scheme to swindle innocent home owners of thousands of dollars on the promise of results. The fact is the RRF was a legitimate operation. Ask anyone who was a customer of ours. If they did not receive a positive result from their lender they were awarded a refund. People that canceled were given their money back. We did not just take on anyone. We made sure that they were able to meet the criteria and guidelines of the lenders and government programs available for them. If not, we had other resources to assist them i.e. short sales or even deed in lieu cash for keys that these people were never aware existed. In my 7 months with the company I helped not only postpone foreclosure sale dates but also achieved modifications for those same distressed homeowners who received nothing from their lenders except the threat of foreclosure. Almost every client we took on had made numerous attempts to get a mod and were denied multiple times. When clients worked through our organization they were in better financial positions. The debt relief helped. Believe me when you are enrolled in debt settlement program and are looking for your lender to modify your mortgage it helps to show them you are proactive about reducing your monthly expenses.
    It might not be rocket science but the fact is that there are millions of Americans who needed our help to get results. They tried on their own and failed. Banks did not help. Government money was not enough encouragement. Also we never claimed to be affiliated with the government in any way. As soon as a client called in for the first time it was required to inform them we are a private company. Not a law firm. Not a bank. Not the government or anyone else. We told people who we were and what we did.
    It is purely a guilt by association issue. The other “mod companies” were mostly illegitimate that is absolutely true. We were a step above and beyond anything they were offering. No grantees they were going to get modded. No taking business from just anyone. If you did not qualify you were referred to some other resources to assist you. No telling people not to contact or pay the bank. In fact it was just the opposite. We told them stay in touch with the bank and make payments if you can. Let’s face the facts people if your mortgage payment is $1300 and you are 4 months back you owe your lender over $5200. One payment does nothing to better your situation. If you do not pay the bank in full your money goes to paying bank fees and late fees and the rest is held in escrow. If it could help you get back on track then take that $1495 and invest in a program that will help you achieve the results you need to recover from the economic turmoil you are facing.
    We were not getting rich off of getting suckers to buy something that didn’t exist. That’s the other guys. The fact is we got results. Thousands of people found success. The work they hired us to do was done. No false claims. Sale dates were stopped. Loans were modified.
    The fact is that half of the staff at RRF is still working even without the promise of a paycheck. The mediators that stop sale dates and mediate with the client and lender are there working hard to get these people the help they need. The customer service reps are there to do their job as well. They are there because if they did not go back to work over 200 American men and Women would have lost the homes they cherish if it was not for our efforts.

  • Daniel

    I worked for the Residential Relief Foundation and it was not some scheme to swindle innocent home owners of thousands of dollars on the promise of results. The fact is the RRF was a legitimate operation. Ask anyone who was a customer of ours. If they did not receive a positive result from their lender they were awarded a refund. People that canceled were given their money back. We did not just take on anyone. We made sure that they were able to meet the criteria and guidelines of the lenders and government programs available for them. If not, we had other resources to assist them i.e. short sales or even deed in lieu cash for keys that these people were never aware existed. In my 7 months with the company I helped not only postpone foreclosure sale dates but also achieved modifications for those same distressed homeowners who received nothing from their lenders except the threat of foreclosure. Almost every client we took on had made numerous attempts to get a mod and were denied multiple times. When clients worked through our organization they were in better financial positions. The debt relief helped. Believe me when you are enrolled in debt settlement program and are looking for your lender to modify your mortgage it helps to show them you are proactive about reducing your monthly expenses.
    It might not be rocket science but the fact is that there are millions of Americans who needed our help to get results. They tried on their own and failed. Banks did not help. Government money was not enough encouragement. Also we never claimed to be affiliated with the government in any way. As soon as a client called in for the first time it was required to inform them we are a private company. Not a law firm. Not a bank. Not the government or anyone else. We told people who we were and what we did.
    It is purely a guilt by association issue. The other “mod companies” were mostly illegitimate that is absolutely true. We were a step above and beyond anything they were offering. No grantees they were going to get modded. No taking business from just anyone. If you did not qualify you were referred to some other resources to assist you. No telling people not to contact or pay the bank. In fact it was just the opposite. We told them stay in touch with the bank and make payments if you can. Let’s face the facts people if your mortgage payment is $1300 and you are 4 months back you owe your lender over $5200. One payment does nothing to better your situation. If you do not pay the bank in full your money goes to paying bank fees and late fees and the rest is held in escrow. If it could help you get back on track then take that $1495 and invest in a program that will help you achieve the results you need to recover from the economic turmoil you are facing.
    We were not getting rich off of getting suckers to buy something that didn’t exist. That’s the other guys. The fact is we got results. Thousands of people found success. The work they hired us to do was done. No false claims. Sale dates were stopped. Loans were modified.
    The fact is that half of the staff at RRF is still working even without the promise of a paycheck. The mediators that stop sale dates and mediate with the client and lender are there working hard to get these people the help they need. The customer service reps are there to do their job as well. They are there because if they did not go back to work over 200 American men and Women would have lost the homes they cherish if it was not for our efforts.

    • Upset

      I too signed up with RRF and have not gained any services from them since they started receiving installment payments from me. It does through up a big RED flag to see the FTC going after them. I’m pulling the plug on them and hope to get every dime back that I’ve given them!! I bet that’s going to be awhile because their tied up with legal issues know!

      • Sanfsher

        yeah i have tried to get our money back too but apparently they think the notebook and paper they send is worth 1495. good luck! if I hadn’t lost everything I would get a lawyer and sue them!

    • pissed off person!

      when do you get your money back? everytime i email you people you NEVER respond back. when i call leave messages samething. when i finally get a hold of someone its always the same excuse computers down or we were just about to call you. now i see this?! i should have known something was really wrong. what kind of person takes someones money away from them when they really need it. now i am in serious danger of loosing my home, which i will add was built by family members.

    • Sanfsher

      I was a customer and was charged $1495 it got me NOTHING but homeless and my house in foreclosure! I had to file bankruptcy and lost my house of 30 years don’t say it was legit when I was told don’t pay and I ended up losing my house because you tell me after the fact oh you have BOA and they are hard to deal with but you will get it done. Then we have a three way phone conference and they tell you too nope we will not modify the loan. then you tell me don’t worry we will fight it and guess what I end up losing my house because you don’t call me back after message after message was left for you to call me back so we can see what we need to do next as a matter of fact I still haven’t hear crap back from RRF! So no my sale date was not STOPPED and NO MY LOAN WAS NOT MODIFIED! YOU DID NOTHING BUT TAKE MY MONEY AND RUN! I LOST EVERYTHING!

  • Damon Day

    I certainly have some top picks of who I would really like to see shut down, but I don’t want to jump the gun and jinx them :-). I would hope the FTC would go after larger, more blatant loopholers to send a message to the rest of them that this crap isn’t going to fly. Especially the attorney model, send a sales guy to get a contract signed types.

  • Jason Taylor

    Any guesses as to what companies the FTC will go after? How about any of the companies that were involved with FTC during the rule making process? Any guesses if the FTC will be more aggressive towards loopholes or deceptive marketing practices? Looking forward to the next few months.

  • Damon Day

    Nice to see the FTC taking these guys out. I am looking forward to them starting to knock off the large debt settlement scams as well, hopefully going full force in the next few months.

  • http://DamonDay.com Damon Day

    Nice to see the FTC taking these guys out. I am looking forward to them starting to knock off the large debt settlement scams as well, hopefully going full force in the next few months.

    • Jason Taylor

      Any guesses as to what companies the FTC will go after? How about any of the companies that were involved with FTC during the rule making process? Any guesses if the FTC will be more aggressive towards loopholes or deceptive marketing practices? Looking forward to the next few months.

      • http://DamonDay.com Damon Day

        I certainly have some top picks of who I would really like to see shut down, but I don’t want to jump the gun and jinx them :-). I would hope the FTC would go after larger, more blatant loopholers to send a message to the rest of them that this crap isn’t going to fly. Especially the attorney model, send a sales guy to get a contract signed types.

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