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I Just Got a Mass Joinder Litigation Settlement Notification Mailer. – Sandra

“Dear Steve,

I just resceived a mass joinder litigation lawsuit final notice, and litigation settlement notification by Litigation Settlement Department, Irvine, CA 92626 against Flagstar Bank. I need to know if this is a scam or not.

The lady at the law office–she said she needed to go speak to the lawyer on a question I asked, so I assume this is a lawyer’s office–said there are many litigants as a party to this suit and some have been settled out of court. To join, first I need to pay $1250 for half of an outside audit, and it the auditors fnd discrepancies or shady dealings, then I need to pay the second half, which is also $1250. At that time, the lawyer will get half his retainer fee ($850) and the other half after I receive my settlement. she gave me her website www.joindercase.com to check it out. My husband thinks this is a scam, and I don’t but I don’t want to waste my money, either.

What can you find out? What should I do? Is this legitimate? I am retired and on a fixed income and my husband has not had a full week’s work since December due to the weather –truck driver; construction. We did a loan modification with them a couple of years ago, and our loan is now in good standing.

Sandra”

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The Answer

Dear Sandra,

So the website you gave me leads me to Mass Litigation Alliance (“MLA”). MLA appears to be a central location that is allowing affiliates and non-lawyers to sell these cases. You can see some of the marketing material and commissions being paid for mass joinder cases.

This area is exploding. Consumers are being pitched these cases for big bucks and pricing is all over the board. Some retainer agreements with lawyers say that if there were to be successful in erasing the underlying mortgage, the consumer would owe 30% of the mortgage eliminated.

Since it does not seem you are at risk of foreclosure and your loan was successfully modified, what’s the harm in waiting to see if any of these cases fly? If they do result in the claims people are making; loans forgive, cash settlements, etc. then join a latter suit.

It also seems prudent that before you jump at a marketing mailer and a sales pitch to join a suit it would make sense to seek a second opinion from a real estate attorney in your area. Get a professional second opinion. No lawyer would hold you back from doing that?

I’m not quite sure what the mailer you got said but my bet is it may have given you the impression there is already a settlement offer on the table from the banks in these cases. I’m not aware of any. I think the wording in these mailers is misleading and can make the recipient believe there is a current settlement they can participate in. The reality is these cases may drag on for years and never result in much, if any, of an award.

Since you are on a limited income my advice would for you to be cautious, and invest a little bit in getting a second opinion, first. If you then think it’s a smart move just realize it may take years, you may get no award, and you may owe a significant value of the mortgage if there is a victory.

Please post your responses and follow-up messages to me on this in the comments section below.

Big Hug!

I Just Got a Mass Joinder Litigation Settlement Notification Mailer.   Sandra
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About Steve Rhode

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

    Hi, I received the same exact letter, from the same people and same address with NON-WORKING phone number 1-877-439-3244. What kind of law office gets its phone disconnected? Most probably a scam.

  • achex

    Hi, I received the same exact letter, from the same people and same address with NON-WORKING phone number 1-877-439-3244. What kind of law office gets its phone disconnected? Most probably a scam.

  • Jessepadilla80

    Anyone who has any questions in regards to litigating against your lender base on fraud and violations feel free to call for advice. It does take time but the outcome can be life changing, wether in a hardship or not. The law firm I am affiliated with has the most compedative fees and is 100% honest with everyone we come in contact with. My name is Jason. Can call at (800) 920- 2021

  • Myrynda Myrynda

    Hello Steve,

    Thank you for the articles; it was very helpful, especially #21. I’m going to bring this to the Bank’s attention to see if they can stop this nonsense fraudulent group. Thank you very much!

  • Steve Rhode

    Myrynda,

    I think if you look through the articles on the mass joinder movement you will gain some insight.

    Let me know what you decide. Is this real or a marketing gimmick.

  • Myrynda Myrnda

    Hello Steve,

    Like Sandra, I have received a final notice from the Litigation Settlement Dept located in Irivine, CA 92626 regarding” Litigation Settlement vs. JP Morgan Chase Bk” in a “Mass Joinder Case”. The notice is on a Form H-118 with the heading “Litigation Settlement Notification” requiring a response to “Phone In” at the tel# 877.439.3244. The “Mass Joinder Litigation Lawsuit” states that they are:

    1. Seeking $75k in damages per individual
    2. Going after your Fraudulent Mortgage Note
    3. Multiple Claims of Fraud & Misrepresentation
    4. Your note might also be a part of MERS Litigation Lawsuit

    I think there’s something fishy about this. Is there any way to prove that this is legitimate? What is your advice on this notice? How do they find or select who they send these mail to? Should it be reported to the California State Bar?

    Myrynda

    • http://GetOutOfDebt.org Steve Rhode

      Myrynda,

      I think if you look through the articles on the mass joinder movement you will gain some insight.

      Let me know what you decide. Is this real or a marketing gimmick.

      • Myrynda Myrynda

        Hello Steve,

        Thank you for the articles; it was very helpful, especially #21. I’m going to bring this to the Bank’s attention to see if they can stop this nonsense fraudulent group. Thank you very much!

  • Myrynda Myrnda

    Hello Steve,

    Like Sandra, I have received a final notice from the Litigation Settlement Dept located in Irivine, CA 92626 regarding” Litigation Settlement vs. JP Morgan Chase Bk” in a “Mass Joinder Case”. The notice is on a Form H-118 with the heading “Litigation Settlement Notification” requiring a response to “Phone In” at the tel# 877.439.3244. The “Mass Joinder Litigation Lawsuit” states that they are:

    1. Seeking $75k in damages per individual
    2. Going after your Fraudulent Mortgage Note
    3. Multiple Claims of Fraud & Misrepresentation
    4. Your note might also be a part of MERS Litigation Lawsuit

    I think there’s something fishy about this. Is there any way to prove that this is legitimate? What is your advice on this notice? How do they find or select who they send these mail to? Should it be reported to the California State Bar?

    Myrynda

  • Steve Rhode

    The mailer is an advertising flyer to attempt to find people that want to pay thousands of dollars to join a lawsuit against the banks that could drag on for years.

  • Maria

    is this true .. i really need to know .. what is it its from
    litigation settlement department irvine ,ca
    what does this mean are they true real .. can it affect me if i don’t pay attention.. to this form ..
    help

  • Maria

    is this true .. i really need to know .. what is it its from
    litigation settlement department irvine ,ca
    what does this mean are they true real .. can it affect me if i don’t pay attention.. to this form ..
    help

  • Maria1smith

    i just got a litigation setlement notification form on mail .. what does this mean ..
    help i dont quiet understand what this letter means.

  • Maria1smith

    i just got a litigation setlement notification form on mail .. what does this mean ..
    help i dont quiet understand what this letter means.

    • http://GetOutOfDebt.org Steve Rhode

      The mailer is an advertising flyer to attempt to find people that want to pay thousands of dollars to join a lawsuit against the banks that could drag on for years.

  • Michael

    No legitimate law firm uses runners, cappers or commissioned sales people. Stay away from any law firm that does.

    Michael Dye, Attorney

  • Michael

    No legitimate law firm uses runners, cappers or commissioned sales people. Stay away from any law firm that does.

    Michael Dye, Attorney

  • Tinagarcia2

    Hi! I just received the same notice please keep me up to date on your progress!

  • Steve Rhode
  • Sandyegb

    Steve, I want to forward to you the letter she sent me–and would not like the letter posted. How do I send a reply or how do I reply to you? Also, I researched all three attorneys listed with the California Barr Association and none of them have any disciplinary actions. The company has an A- rating with the BBB, but there is only one comment and it’s only been in existance since 9/2010. However, the attorneys have been active for some number of years. At least one of them is a partner in another law firm that does have some negative remarks online.

  • Sandyegb

    Steve, I want to forward to you the letter she sent me–and would not like the letter posted. How do I send a reply or how do I reply to you? Also, I researched all three attorneys listed with the California Barr Association and none of them have any disciplinary actions. The company has an A- rating with the BBB, but there is only one comment and it’s only been in existance since 9/2010. However, the attorneys have been active for some number of years. At least one of them is a partner in another law firm that does have some negative remarks online.

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