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Something Seems Fishy About My Homeowners Advocate and Impact Debt Settlement. – Josh

“Dear Steve,

I recently ran into this loan modification company and wanted some help researching them. Something just doesnt seem right here. The companies website is http://www.myhomeownersadvocate.com/.

It appears Sean Horan owns the business from what the BBB has here http://www.bbb.org/san-diego/business-reviews/real-estate-loans/my-homeowners-advocate-in-san-diego-ca-171997987/. They have an F Rating

Its odd that this Loan Modifcation company is located at the same office as Impact Debt Settlement Inc. and owned by the same guy Sean Horan.

http://www.bbb.org/san-diego/business-reviews/real-estate-loans/my-homeowners-advocate-in-san-diego-ca-171997987/

http://www.bbb.org/san-diego/business-reviews/debt-relief-services-non-compliant-with-ftc-rule/impact-debt-settlement-in-san-diego-ca-171993160/

I found My Home Owners Advocate through this website that appears to be a government backed website http://www.homeownersadvocate.com/company-reviews

Yet a more thourough research it appears that this HomeOwners Advocate is just a fake bureau or something made to trick clients. Can you find out if the company My Home Owners Advocate owns the website as well? This supposed website http://www.homeownersadvocate.com/company-reviews
says they are the best company to work with etc. I believe this website and a company is a front and false company potentially praying on innocent citizens.

Something just seems fishy.

Josh”

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The Answer

Dear Josh,

And just when I had said to myself, “after the next question I’m going to head out for a motorcycle ride.” I fear this one is going to eliminate that ride as I look into your concerns.

The last public record of ownership for HomeownersAdvocate.com says it is owned by:
Impact Debt Settlement
Sean Horan
[email protected]
6740 Nancy Ridge
San Diego, CA 92054

Something Seems Fishy About My Homeowners Advocate and Impact Debt Settlement.   Josh

The other companies listed on the page are: – Source

  • QualifyForHamp.com – A lead generation site owned by HotLiveLeads.
  • NoUpFrontFeeLoanModification.org – A lead generation site owned by HotLiveLeads
  • LoanRescueHelper.com – The link says org but it actually goes to com. The sites does not work but the error message indicates a Dan Feuer may be involved. (Warning: mysql_connect() [function.mysql-connect]: Unknown MySQL server host ‘danloan.db.4723768.hostedresource.com’ (2) in/home/content/d/a/n/danfeuer1/html/loanhelper/includes/convars.php on line 2 Unknown MySQL server host ‘danloan.db.4723768.hostedresource.com’ (2)
  • SaveHome.org – Was last publicly identified as being owned by Jacob Holcomb of Lead Services. [email protected]
  • GreenHouseMortgage.com – which appears to be another lead generation site.

Homeowners Advocates Appears to be a Scam

The Homeowners Advocates website describes itself as:

Homeowners Advocate is a consumer-protection association specifically committed to promoting fair and ethical business practices by loan modification companies. Founded in 2009, Homeowners Advocate serves to protect consumers by setting the highest standards of compliance for these companies. It employs a three-part system to better ensure compliance is met: a formula-based rating system; the ability to file complaints against a company on Homeowners Advocate.org; and full disclosure of loan modification company complaints, violations and resolutions. These three parts work together, arming consumers with the information they need to choose a loan modification company, empowering them to seek resolution for valid complaints, and encouraging loan modification companies to keep consumer protection top-of-mind.

Companies that achieve Homeowners Advocate accreditation agree to accept continuous oversight, exhibit transparency in their business practices, and adhere to the organization’s high business practice standards. Homeowners Advocate also serves to educate loan modification companies on the importance of consumer protection and ethical business practices, as well as on state and federal legislation that affects the industry. – Source

The say they are located at 1025 Connecticut Avenue, Washington, DC 20036.

Something Seems Fishy About My Homeowners Advocate and Impact Debt Settlement.   Josh

Interestingly enough the address is incomplete and does not identify the suite in this multistory office building they are actually located in. There is a virtual office space provider in this building they might be using as a simple mail drop.

The link you gave me for the BBB listing of My Homeowners Advocate was helpful. You are correct that it identifies the president as Sean Horan. – Source

According to the State of California My Homeowners Advocate is located at:
6740 Nancy Ridge Drive
San Diego, CA 92121

Something Seems Fishy About My Homeowners Advocate and Impact Debt Settlement.   Josh

That is the same address as Impact Debt Settlement. – Source

I think we don’t need to dig any further for me to be able to tell you to RUN AWAY.

I’m specifically concerned with the fake homeowners advocacy site that makes all sorts of consumer protection claims but in fact appears to direct people back primarily to a site owned by the same person in a commercial activity and then to a string of lead companies. It appears to be nothing more than utter bullshit.

Thank you for bringing this to my attention and giving me a chance to look into this marketing effort that appears to be deceptive.

That didn’t take as long as I thought, and now I’m going for that ride.

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

Big Hug!

Something Seems Fishy About My Homeowners Advocate and Impact Debt Settlement.   Josh
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If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.

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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.
  • Marybeth321

    Impact Debt Settlement is the same as My Homeowner’s Advocate and the SAME as Accredited Home Advocate. They are all run by a bunch of scammers. RUN AWAY.

    They will take your money and do nothing to help you.

  • Tjmatsuoka

    We used My Homeowner’s Advocate, which runs you through HOALM, both are scams. “Utter bullsit” is a great way to desribe them. After a year, $4195 we are in foreclosure! DO NOT USE THEM< RUN AWAY!!!

  • Lapositive

    OMG! They just got me. I gave them 3495 and now theyre harassing me for 1500.- They said its for the audit of my loan @ the bank. Do I have a chance to get this money back?  Helllllpppppppp pleeeaaassseeee!

  • John manson

    To all of those who have not gotten a refund and I am sure there are plenty of us dont give up we can band together and make a difference HOALM and my home advocate aka Sean Horan has not heard the last of us!! I have an attorney who is interested in this situation and if I can get enough interested people I will turn over the information to them, no promisses but what are you getting now.

      John Manson   [email protected]

  • Generaljoe77

    I contacted Sean Horan on March 26th, took my info, sent me an e-mail, said Erica Hawley would contact me and would send my full refund of $3495.00. I rec’d said refund yesterday, 4-04-2012. Thank you Sean, and Erica for honoring your promise of a full refund. I wish all interested parties equal results
    Joseph Patton

  • Steelhead7592

    On March 30, we recieved a full refund from Sean Horan and company, thank you Sean for your personal attention in this matter.

      Good luck to all
        
          James McArron

    • Sylur

      on March 30th?  It is only March 24th. 

      • ldo9

        My exact thoughts!?? Today is only 03/24/12. I spoke to Erica Hawley yesterday from My Homeowners Advocate and surprisingly she said couldn’t find our file.  I told her that I have all the paperwork from HOALM and My Home Advocates, which on paper is not the same company as My Homeowners Advocate, BUT yet they share the EXACT same FAX NUMBER?? How is that possible?  Two alleged different companies, TWO SAME FAX NUMBERS?  Also, same emblem and everything!  Check it out for yourself! Search My Home Advocates and then look at My Homeowners Advocate.  I mean, if they were try to say that they are not related, at least come up with somewhat of an unique symbol for their company logo.  Even the margin for where their names and phone numbers are listed underneath the logo is the same (what’s the likelihood).  If Sean is saying that he is not affiliate with Stephen Vesper’s HOALM’s company, at least he could have referred his “client’s” over to another entity that didn’t start with the same company as his!! 

      • Steelhead7593

        Sorry I ment March 20, not 30 my mistake

  • Generaljoe77

    got my return letter from attorney general’s office yesterday, gave me the proper steps to take. called Bof A this AM found that the money $3495.00 that I paid to HOALM for escrow in fact was deposited into  Impact Debt Settlement’s account. My next step is to file a report with San Diego County Attorney General Fraud division, I hope all who had dealings with any of Sean Horan’s companies recover all monies due them. I will post all steps that I am taking in hopes that I can help all who have lost money with My Homeowners Advocate.If you leave an e-mail address, I will give you my phone # so we can speak one on one.

  • NYCnative

    Mr. Matt Pivetti, in response to your claims of not being associated with the scammers Sean Horan and Stephen Vesper, clearly there are some huge coincidences.  I have found that your company, Accredited Realty Group (
    http://www.accreditedrealtygroup.com) is in the same building and suite number as a loan modification company by the name of “Accredited Home Advocates”. (
    accreditedadvocates.com)   ALSO, interestingly enough.   The address for Accredited Realty Group at some point in the past was the same as Impact Debt Settlement (Sean Horan’s Company).  Just do a search for “6740 Nancy Ridge Matt Pivetti”.  Please explain this since you have told this forum that you have nothing to hide, because you haven’t convinced me yet!  Thank you and good luck to you if you are a liar.  My complaint has been filed with the above information.

  • Steelhead7592

    Sorry folks, I got the web address backwords, the web site is oag.ca.gov

  • Steelhead7592

    Sorry folks, I had the.gov and the.ca reversed. the website is  oag.ca.gov

  • Steelhead7592

     Our plans are , and I suggest everyone do the same if you feel tou have been scammed, is to let the state attorny general figure this out.
    You can log on to oag.gov.ca click on file a claim.

    • ldo

      I agree!! Sean, you know you are the owner of My Home Advocates as well as HOALM! You and Stephen Vesper are co-conspirators and are on you way to going to jail!! Say whatever you want to say you crooks!! You have helped no one but yourselves to swindling people out of hard earned money!!! Go to hell! You scam changing your business names is getting old and people are catching on and it will just be a matter of time until the authorities hunt your lame ass down and have you pay back all the people that you stole money from!!

  • Sean

     

    I wanted to post on this site because for months I have been attempting to contact the owner of this blog with no response.  There is a lot of mis information about My Homeowners Advocate, its relationship with HOALM and its business practices.
     
    My Homeowners Advocate, LLC has successfully empowered
    hundreds of customers to qualify for home loan modifications through
    independent services providers.  One of these providers was Homeowners
    Advocate Loss Mitigation (HOALM).   Until recently, HOALM had an
    excellent track record of providing service to its customers, including those
    referred by My Homeowners Advocate, LLC.  Unfortunately, it has come to
    our attention that HOALM has recently failed to live up to its promises to both
    its customers and My Homeowners Advocate, LLC.  This has been very
    frustrating for My Homeowners Advocate, LLC, just as it has been for the
    customers who relied on HOALM’s commitments.  If you are a customer of
    HOALM who did not receive the services that HOALM agreed to provide, we
    encourage you to contact HOALM and demand that it uphold its end of the
    bargain.  Letters to HOALM may be sent to the following address:

     

    701 Palomar Airport Road

    Carlsbad, CA 92011

     

    Although My Homeowners Advocate, LLC is not responsible for
    HOALM’s conduct, we want to know about it.   Please send a letter to
    the address below describing your problems with HOALM, whether you are
    interested in continuing the home loan modification process with another
    service provider, whether you have requested a refund from HOALM and, if so,
    whether HOALM still owes you any money on your refund request. 

     

    6755 Mira Mesa Blvd.

    #123125

    San Diego, CA 92121

     

    My Homeowners Advocate understands the concerns of those
    affected by HOALM’s conduct, and it wants to address these problems and make
    sure they never happen again.

    • Steelhead7592

       Well Sean,here is a fact for you.Our contract  was with MY HOMEOWNERS ADVOCATE I have a copy of my bank check made out to MY HOMEOWNERS AD
      VOCATE endorsed by MY HOMEOWNERS ADVOCATE. Cashed by MY HOMEOWNERS ADVOCATE  I believe you are responsable.

    • ldo

      What use is it “want to know about the conduct of HOALM” when you “refer” your cases over to them?? You must think that everyone who is in need of “your help” are idiots! If it walks like a duck and quacks like a duck, well shucks it must be a duck! You are a crook! Every person on here has done their due diligence and you are just hiding in whatever loophole that you have created for yourself in refusing to give them back their money.  We are all signing up with the Attorney General and what other powers that will hold you responsible for your unethical practices and may you pay dearly.  For two years, and the same with my case, you avoid our calls, and refuse to do anything, and now you so-called want to look into our cases? For what?  Why didn’t you have one your so-called loss mitigators do their job and expedite the file and refund the money as soon as the file failed to get a “successful modifcation? Or is it relative to what you consider successful?

    • Generaljoe77

      I AM SURPRISED YOU ARE STILL ON THIS PLANET, I WOULD NOT WANT TO BE IN YOUR SHOES WHEN YOU STAND BEFORE THE LORD, OH I’M SORRY PEOPLE LIKE YOU DON’T BELIEVE IN GOD OTHERWISE YOU WOULDN’T BE ABLE TO OPENLY “STEAL” FROM SO MANY PEOPLE. “GOD HELP YOU”

    • Generaljoe77

      SEAN went to the trouble of getting your home address, Chri Salvaggio’s, and Farrah Pliley’s also, also have phone numbers and family members names. my intentions are to get a trailer with a sign advising neighbors, and any persons contemplating using any of your businesses to beware. Yes i have checked out the legal ramifications, and I”ll meet all legal needs. how you sleep is beyond me. as I only live about an hour away from all of the above it wont be a logistic  problem. “SEE YOU ALL SOON”

  • Bruce

    Im glad I found this blog.  Maybe some research I have done will help you guys as well as prevent others from getting scammed.  I went to visit this company recently.  The name on the door says Accredited Realty Group.  I looked it up online and heres what I found.

    Accredited Realty Group
    Phone: (800) 464-6288
    Fax: (858) 412-6614 5935 Cornerstone Ct W #250, San Diego, CA 92121 [email protected]://www.accreditedrealtygroup.com

    Same adress and everything! They started this company looks like in 11/2010.  Right when all these complaints started piling up.  When you call them now they answer under this name as well.  Looks like they paid the BBB as well for an A rating so they can scam more people.  When I mentioned I was a My Homeowners Advocate client, they said thats not them anymore and referred me elsewhere.  Which is a LIE because I saw similar faces in there and same owners.  Please spread the word and help stop this never ending scam! Accredited Realty Group is My Homeowners Advocate and HOALM and whatever else name they have.  After reading the blog here I have found that changing business names is a popular trend with these guys.  This circus will end soon.

    • Matt

      Dear Bruce,
      I am the broker of Accredited Realty Group. We are a licensed Real Estate company with the California Department of Real Estate, and do only Real Estate sales transactions. We do NOT issue loans, broker loans, fund loans, or do loan modifications. We have NEVER accepted any funds from anyone, period. Any monies/income we receive are paid by the banks or sellers, after all work has been completed, at the close of escrow in Real Estate transactions. We do quite a few short sales, assisting distressed home owners. In a majority of the transactions we complete the sellers actually get money for relocation costs through the government sponsored HAFA program. Over the last year plus we have helped many people get out from under massive debts and upside down mortgages, free from liability, with substantially better credit situations, and free from the stresses caused by the harassment of debt collectors, or in other cases helping others realize their dreams of home ownership. Accredited Realty Group is not a part of any of the companies you are referring to: My Homeowners Advocate or HOALM, or any other companies for that matter. It’s unfortunate that you would post messages like this, and that I would be required to defend myself and my company. My rating with the Better Business Bureau is warranted and has been built over time. I challenge anyone on this site to come forward and prove how Accredited Realty Group has wronged you or ever taken any money from you. These remarks you have made regarding my company are libelous. If you would like to discuss anything please feel free to contact me at your convenience, as I have nothing to hide!

      • NYCnative

        Hi Matt..way to go and stick up for yourself.  Some people really are impulsive and get themselves screwed.  So I have some questions for you Mr. Matt Pivetti, since you have nothing to hide.  By the way, I found your name and company here 
        http://www.bbb.org/san-diego/business-reviews/real-estate/accredited-realty-group-in-san-diego-ca-171999589/ 

        My question is how did you find this forum on these crooks Stephen Vesper and Sean Horan?  I did a search for Accredited Realty Group and found no mention of this getoutofdebt page.  I am baffled.

      • Matt

        NYCnative – To answer your question, I was sent an email from the BBB that referenced this website. I would be happy to provide you with a copy of that letter if it helps clear up your confusion. Correct – I have nothing to hide, anyone who feels that they have been harmed by Accredited Realty Group can feel free to contact me personally to discuss (800) 464-6288 ext.5925 – I’ll even pay for the call.

  • Steelhead7592

     I have filed a complaint with the California Dept. of Justice, they want to hear from more victums,everyone that lost money needs to file a complaint.

  • Joe Patton

    AFTER LOOKING AT ALL THESE POST’S WHY DON’T WE GET ORGANIZED AND FILE A CLASS ACTION  LAWSUIT?

    • ldo

      It’s weird.  I have called all these class action law firms to see if they would take a case like ours and NO ONE seems to be interested in it and this is a very, very legitimate case! I hear about other cases from people who have been ripped off for way less and they get their case blasted on the news – what does it take for people like us to be heard??? Seriously!! Do we have to hold someone hostage or something??

      • Generaljoe77

        Because it is not a national company. they work on a percentage of settlement usually 40%, so these tobaco suits net them 200 to 300 million dollars, this would not be worth their time. I hope all who read this will do as Steelhead 7592, and I have done and file with the Attorney General, and your County Small claims court 

  • Joe Patton
  • Jade

    Hey -I found out his address if you want to go by and get your money that he owes you-he hasn’t paid rent there a year and is scamming and stealing the property from the owners-3868 Carnegie Drive,Oceanside CA 92056

    • Steelhead7592

      Whitch one lives there Vesper of Horan? or they one in the same?

    • Steelhead7592

      Is this an office or a home address, most likely run out of an appartment.

      • Maria

        They are diff people.  Vesper only did the work from my uderstanding.  Horans company has the money and is pawning it all off on Vesper.  Crazy scheme. I already filed with DA and several other depts that will be on to them soon.   And from what i have read on here, My Homeowners Advocate has now changed its name.  Shame SHame..

  • Syl

    I am sorry about that. I will be there in your situation soon :( Don’t know what is going to happen. Who knew!

  • Syl

    I guess I am one naive here. I was searching for them around the internet and I haven’t found anything bad in 2010. So I went there and and let them help me with my loan modification. They told me to stop paying  mortgage because is useless. I was told that I need to rent a room or get additional income because I won’t be appoved due to low income. I got a friend that agreed to help me and after 14 months I got denial letter from the bank that I am not qualified for loan modification because I make too much money!!!! So I said I want my $ 2995 back because they told me if they can not get loan modification they will give the money back. They said that they have for me other solutions that means that did their job. And what was the other solution? Shortsale! Wow, 3000 bucks just to hear to sale my house? I went there to ask for help to keep my house.

    Does anyone know what to do. Is it possible to hire a lawyer and win with them?

    • Steelhead7592

       You got off cheeper than we did $3500, our house, gone! Now we are in chapter 13 to hold off forclosure untill we can find a house to rent. In our early 60s and this is what we got for our trust in thies people!

      • ldo9

        It’s such a shame that I even contacted the Attorney General Pamela Harris and the DA in San Diego to tell them what’s going on in their backyard, because I’ve seen so many other stories where people like Stephen Vesper and Sean Horan are being arrested over scams identical to the ones all of us on this post have been involved in, so what the heck is it taking so long for any one person to get noticed here?? I don’t get it? It seems that the Feds are so eager to crack down on people downloading illegal movies and stuff, and it’s not like the move execs and actors don’t get paid enough for their work, but when people like us on this blog get screwed for several thousands of dollars – where are the cops, DA’s and Feds? Why are they not knocking down or tracking this trash of waste of space (Stephen Vesper) and his crew? At least for those who download the movies illegally, I don’t think the people who buy it expend several months’ worth of income to buy a money whereas the money we gave over to the likes of HOALM  and its so-called Affiliates took quite a bit of time to save up!  And so sorry to sound like this but, several thousands of dollars to “average” people versus thousands of dollars to “elitists/celebrities, etc.” really is not going to cause them to not eat for a month, miss a car payment, cause undue hardship for that year, etc. At this point, $1,000 makes a huge difference to my checkbook.  I can a heck of a lot of NECESSITIES with that thousand dollars in order to just SURVIVE!!

      • ldo9

        It’s such a shame that I even contacted the Attorney General Pamela Harris and the DA in San Diego to tell them what’s going on in their backyard, because I’ve seen so many other stories where people like Stephen Vesper and Sean Horan are being arrested over scams identical to the ones all of us on this post have been involved in, so why the heck is it taking so long for any one person to get noticed here?? I don’t get it? It seems that the Feds are so eager to crack down on people downloading illegal movies and stuff, and it’s not like the move execs and actors don’t get paid enough for their work, but when people like us on this blog get screwed for several thousands of dollars – where are the cops, DA’s and Feds? Why are they not knocking down or tracking this trash of waste of space (Stephen Vesper) and his crew? At least for those who download the movies illegally, I don’t think the people who buy it expend several months’ worth of income to buy a money whereas the money we gave over to the likes of HOALM and its so-called Affiliates took quite a bit of time to save up! And so sorry to sound like this but, several thousands of dollars to “average” people versus thousands of dollars to “elitists/celebrities, etc.” really is not going to cause them to not eat for a month, miss a car payment, cause undue hardship for that year, etc. At this point, $1,000 makes a huge difference to my checkbook. I can a heck of a lot of NECESSITIES with that thousand dollars in order to just SURVIVE!!

  • John Manson

    In September of 2010 I made the mistake of trusting them with my loan modification after repeated attempts my self with BofA failed,I check them out I talked to people in the loan business and sent in my $3495 Only to be told 13 months later that my note holder does not do modifications, I believe they did try to get me a modification but when it failed all attempts to get a refund went no where, and when I called the original number I used to set this up I did talk to the same person the home owner advoicate he told me they no longer do business with HOALM and they are not affiliated with them. my question is playing this shell game with these companies like close it when the heat gets to intense and just reopen under a different name but same results, wouldnt the court system or atleast the DA take a dim view of this? my money is gone but willingness to go after them isnt!!

    • ldo9

      It’s such a shame that I even contacted the Attorney General Pamela Harris and the DA in San Diego to tell them what’s going on in their backyard, because I’ve seen so many other stories where people like Stephen Vesper and Sean Horan are being arrested over scams identical to the ones all of us on this post have been involved in, so why the heck is it taking so long for any one person to get noticed here?? I don’t get it? It seems that the Feds are so eager to crack down on people downloading illegal movies and stuff, and it’s not like the move execs and actors don’t get paid enough for their work, but when people like us on this blog get screwed for several thousands of dollars – where are the cops, DA’s and Feds? Why are they not knocking down or tracking this trash of waste of space (Stephen Vesper) and his crew? At least for those who download the movies illegally, I don’t think the people who buy it expend several months’ worth of income to buy a money whereas the money we gave over to the likes of HOALM and its so-called Affiliates took quite a bit of time to save up! And so sorry to sound like this but, several thousands of dollars to “average” people versus thousands of dollars to “elitists/celebrities, etc.” really is not going to cause them to not eat for a month, miss a car payment, cause undue hardship for that year, etc. At this point, $1,000 makes a huge difference to my checkbook. I can a heck of a lot of NECESSITIES with that thousand dollars in order to just SURVIVE!!

  • Bwhite7538p

    it’s buyer beware in this scam market and as long as we give into these people, they will continue to take our money. 

    The bottom line is that it doesn’t matter who you go with, “the lender” has the final saying, period.  Unless you have an legitimate attorney specializing in this field, but most will tell you that they don’t get paid until your case has been resolved!

    This nonsense of them telling you that you have to pay them as they are completing your paperwork is nonsense. You can complete the forms yourself by looking it up on Google for remodification packets.  These companies can’t ask you for money – it’s the law which i found out the hard way.

  • CONCERNED

    These guys think they are slick!   They now have changed their name again!!  I had my friend call in and scope it out.  They sent her a contract with a new name on it.  Nationwide processing services.  Adress is a new adress around the corner too!  But turns out its just a mailbox.  Yes i drove their and no office.  Just a mailbox! I researched the new company name and found out they even had their own employees comment on yahoo, google, zoosk, u name it and give good reviews to make them look good!  We have to put a stop to this!  Make sure you research it and post ur experience so others can see! We have to protect others from getting scammed while we shut them down.  See th info below on their new company..

    Nationwide Processing Services 5752 Oberlin Drive, San Diego, CA 92121(888) 763-5665 ‎mynationwideprocessing.com

    • Bwhite7538p

      hate to tell you but they won’t stop…. when there in trouble of owing people money and in the process of being sued, they shut down their site, create another, and the scram pops back up under a different name but with the same mickey mouse characters.  the only way to stop them is by suing the actual owner into court, which i found is hard. in my case the knucklehead left the state and i’m assuming under a new scam. i’m still trying to track him….

  • Denise Chadwick

    I got the famous pink page headed HUD and believed l was contacting a government backed establishment  I also sent tax returns etc and signed a contract on line and the $3498 was to be paid electronically on the 15th Nov. Today l received, from a concerned friend, the link to your page.  Boy am i the lucky one.  I have just finished talking to the rep (Braydon) and after telling him what l know about Sean Horan and the lynch mob after him he agreed to void my contract. Good luck to everyone trying to get their money back……..Class Action Suite………YES.

    • Bwhite7538p

      wow, i got the pink slip also…. i’m glad i’m reading these posts before falling for their bs. thanks

  • Steelhead7592

    We have gone into bankruptcy and will lose our house as a direct result of trusting thies people,you will be told lies and promises that are not kept .

    • Ldo9

      Did I mention now that their HOALM pipeline is no longer working??? Hmmmmm… I propose that those of you who have been scammed jump on board with me in looking for a Class Action law firm to sue these guys!  It’s obvious that they are now closing down one website and will more than likely be incorporating under another name, only to lure more people into their web of deception!!

      And to point out something, it’s quite obvious that those of the people who only have “positive” things to say about the company only show up once to post a comment whereas those of us who have been actually victimized continuously repost and answer other people who have commented on this site. 

      Funny thing that just happened just no more than 1 minute ago, Tami Steffan (there may be some of you who have dealt with her I’m sure) just called me back after I kept calling her and not leaving messages. Anyhow, I am sure she knows my number by heart since I have made it quite a steady daily task to call her up just to see if she even picks up the phone – of course, she never does.  Well, finally I think she got the hint and decided to call back my number to see who the heck who keeps calling her – surprise – she doesn’t even bother to say “hello.”  Why you ask?? Because she knows what the conversation will consist of – me asking her where the heck is my refund and how can she claim to work for someone that does this to hardworking Americans?? And by my definition of hardworking is those of us who doesn’t trick, like and cheat others to get paid!!!

      This is should be a prime example to debunk all those posts above who CLAIM to have gotten a modification from this company.  If so, I’d like to personally meet the 1-2 of you out of the tens of thousands (if not more than tens of thousands) and congratualate you on your hard work and perseverance.  In fact, I would gladly buy you a cup of coffee!!!

      • Jennilynsnow

        I am on board for a class action!  I bet if we get enough people we could actually get our money and shut them down.  Also, we can go to the carlsbad office or the san diego office and have a sit down (non violent) to rally on getting our money back. If 10 or 15 people are ready..so am I.  Plus we can keep everyone from signing on and getting scammed.  I am really fed up and want to exerdcise my 1st ammendment rights as an American.

      • Steelhead7592

         Jennilynsnow, we need to talk, I am on board for a law suit as we have lost money, our perfect credit rating,and possably our home,directly caused by our relationship with HOALM.

      • ldo

        Okay, so my husband just heard on the radio today that the SWAT Team just raided some guys home in Newport Beach for home loan fraud!!! Apparently he was from the East Coast and had been taking people’s money back there and not doing a darn thing and I guess trying to set up shop out here before they nabbed him!! If that guy got caught – how the hell is someone like Stephen Vesper able to go on for any longer???!!! I mean - geeze! We just need more people to call in to the Attorney General to file complaints so that they can have eough people to “open” up an investigation into this guy. 

        For all you newcomers – I would print out their new website’s ad – you know, the National Processing Company or whatever they call themselves now and mail it in with your formal complaint.  That’s what I did, but at the time they were still called HOALM.  I attached all the emails, correspondences and cancelled check as evidence.  I also attached all of the same and sent it to the DA’s office in San Diego.  I think the worst offense that this guy will be taken down for will most likely be for tax evasion of some sort.  I am assuming that just as stupid as he is with being blatantly sloppy with open and closing these “shell companies,” he probably is really greedy and isn’t paying his taxes either!! That’s what they’lll probably get him on!! One can only hope!

      • Jade

        please email me -his address is 3868 carnegie drive oceanside ca-i have his phone #too

      • Jennilynsnow

        I think we need to discuss our plan of action.

      • Spadermch2

        I too was scammed.  Unfortunately you just have to let it go.  You’ll never get your money out of these people.  I tracked down Stephen Vesper to his old apartment complex and he has moved out.  All of there so called business addresses or bogus.  They operated out of this apartment just like in the movie ‘Boiler Room.’  We got scammed and you just have to let it go.  

      • Bwhite7538p

        glad i read your post, i was about to do this after all the bs they fed me. if i ever meet you, coffee’s on me.

    • Ldo9

      So I  finally got a  rather funny communication from that Tami Steffan, agent for My Home Advocate aka My Home Advocate Loss Mitigation (HOALM), I have texted twice now in order to get her to respond to our refund, and she had the nerve to say this, “First off you never made the check out to me so I never took your money.  Second off I no longer work for that company and last I heard you received a successful mod.  Stop harassing me with your nasty text messages.” 

      To Tami – First off, Tami, which I hope you visit this site and see all the negative comments about HOALM, when I called the 800 number today, it is still your voice on the answering machine.  Secondly, the last you heard that my husband and I got a successful modification is FALSE.  If that is the true, then why on earth would HOALM send us out a refund disclosure stating that we would get a refund????? Duh???? I believed that your advertisement stated that we would get a refund if our modification was UNSUCCESSFUL??? The company’s website portal is now “down” and we can’t log on to see our file any longer.  What the company failed to realize is that everytime that I logged on, I did a print screen and saved it to my computer.  That way there would be no disputing what was said between the parties and HOALM cannot say that they never were going to issue a refund.  I have proof from Chris Salvaggio and Steven Vesper (owner) stating that a refund was on its way. 

      To all readers – In my texts to Tami, I told her that I wished that the government would catch up with them soon and put them all in prison and that it was just going to be a matter of time when they will all lose their homes, cars and jobs, etc.  I have no shame in what I texted her.  I clearly asked her how she could sleep at night knowing that she is party to the scam.  I also said that she was a “B” for doing what she did.  I clearly spoke my mind and have only contacted her twice.  To me, I don’t consider that harassment when she was the person with whom we dealt with and was the person to whom we kept in touch with prior to us handing over the money!  Don’t you just love her response – “the check was never made out to me so I never took your money?”  Right, you just got a portion of it as your commission.  She is just as guilty as the rest of them?  Ever heard of the Nuremburg defense??  – “I just did what I was told to do.”  Well, it didn’t work then and it certainly doesn’t now!!

      So typical of HOALM and its employees to give the runaround and say that they succeeded in their job to justify their taking of people’s money of close to $4,000! I guess whatever makes them content in stealing! That’s exactly what it is!  I don’t know about you but I was told my payments were going to be around $2,500 (with property tax, etc.) to $3,500! Yeah – that’s really a successful modification!!

      • Jennilynsnow

        Let’s just realize that Karma is real.  and Tami, Stephen, Chris, and all of My Homeowner’s advocate will get theirs.   The only real tradgedy is that we won’t be there to watch as it happens.  I surely wouldn’t want to be one of those people.  It WILL happen.  Always does.  This lifetime or the next.  You can count on that.  

      • Bwhite7538p

        and these people have the nerve to list “HUD” on their letterhead to make them seem legitimate.

  • jennilynsnow

    hi..does anyone know how to get your refund?  I was told that I would be getting a refund..then Stephen Vesper told me that something happened between My Homeowner’s Advocate and HOALM (which is the same company) but apparently My Homeowner’s Advocate would take the $2995.00 (which is what they charged me in November 2010) and give $1000.00 to Stephen Vesper (at the time Chris Salvaggio owned it) and Stephen would ‘so call’ get you a modification.  So when I wasn’t able to get a modification, Stephen told me to fill out a refund form and get it notorized, and I returned it to their Carlsbad office in person, and I didn’t receive a ‘tracking number’ which was promised.  Then after many voicemails Stephen tells me that the funds are ‘tied up’ in an escrow account and will not be released (on Aug 11 2011) until 45 days or, he said, even earlier!  So today is October 12, 2011 and no one has returned my calls or anything;.  STEPHEN LIED.  So, here I am without a modification, without 3 grand. and standing in a food stamp line because I qualify for it!!   REally?  you are ripping off a single mom? and someone who lost her home and is on welfare.?   Just to pay your mercedes payment?  I could really use 3 grand to get my autistic son services with occupational therapist and speech therapist… and help with paying for diapers because his dad bailed and pays no child suppport.   Thanks for your Help HOALM!  or My  Homeowner’s advocate!! thanks!   Obviously I don’t have the time to go to court, because I am teaching my 4 year old how to speak..and I am a single mom driving a 11year old car…without any help.  If I got my $2995.00 I could buy diapers, and get a new battery for my car, and take my son to get help with talking (speech therapy) and I could get my son some learning tools so he can begin to communicate and maybe say, ” ,mommy! “

    • Steelhead7592

      Thies people are ripping off anyone,single moms,the eldery,such as ourselfs, anyone who is asking for help.

    • ldo9

      That is the same story told me!  My house was auctioned off on 04/23/11 and we are in what montht??? Forty-five days later my ARSE!! It even says on the so-called refund disclosure that you are to get you cashier’s check within 14-business days from the time HOALM receives your signed and notarized refund disclosure!! My house was auctioned off on 04/23/2011 – so aren’t we outise of that 45 days????  Stephen Vesper, Chris Salvaggio, Tami Stephen (agent for recruiting victims like everyone on thist post) are CROOKS!!!! THEY DESERVE GOING TO JAIL/PRISON AND GETTING BUBBA OR BIG SALLY TO BE THEIR ROOMMATE!! HOLD ON TIGHT TO YOUR ANKLES GUYS, AND GIRLS – WELL, I GUESS YOU’LL BE EATING A LOT OF PIE WHEN YOUR TIME COMES!!!

      I am understanding that everyone has to make a living, but ripping people like the single mom above, the client who was recently diagnosed with leukemia, and just folks who work between 40-80 hours PER WEEK is downright unethical!!! We are have families and bills that we are trying to pay.  HOALM – try working for an honest day and see how you like it if one of us came along and said we can guarantee that we can double your business if you PAY us $4K and we just run off with your money!! Multiply that by 100; 1,000; 10,000, etc!! You’d go bankrupt!!!

    • Guest

      did you end up getting a refund?

    • Sean

      I’m not sure if you have seen previous posts from My Homeowners Advocate but you need to contact my company direct so we can review your file.  If you are a customer that we referred to HOALM we will ensure that your issue is resolved.  As you know, HOALM and their employees have refused to respond to any requests for months now.  We are trying our best to resolve any issues that HOALM has left behind but unless you contact us directly we won’t know that there is an issue.  HOALM and My Homeowners Advocate are two different companies and we will not have any information on calls, emails, or posts you have left with HOALM.  You must email me at [email protected] and leave me your name and all contact information.

  • Anonymous

    I read this blog before signing up with My Homeowner’s Advocate and it scared me.  Once they explained the process I decided to drive down to their location on Cornerstone Court and meet them.  I was surprised how big the office was and how many people were working there.  It is a really big operation.  I met with a few of the loss mitigation negotiators and they explained the process as well.  They showed me a filing cabinet with hundreds of completed files.  Seeing is believing!!!  There is no magic carpet or crystal ball, the process is simple.  The banks takes 31% of your gross monthly income and makes that your total monthly payment.  The only difference between what they do and what I was trying to do for a year and a half was… they know what they are doing and how to do it.  I imagine I could do my own modification after everything they told me but I just don’t want to waste another minute speaking to those idiots at Bank of America.  So…. I gave them a copy of my tax returns, bank statements and pay stubs, they even helped me write a hardship letter. 

    It has been a month so far and they call every week to give me an update.  So far, it looks like everything is moving forward.  BofA called today to tell me there is a Negotiator assigned to my case and we are in “review”.  My fingers are crossed but I have a good feeling, especially considering they accomplished more in a month than I accomplished in a year. 

    • Kris H

      Sounds odd how this is the only positive response on here, sounds like a post from an employee to me.  I too drove to the facility, only to see a frat house environment and people in shorts and sandles and they ushered me into a conf room and i was not really allowed to wander around.  I did notice in that room that on one of the walls was like a scoreboard? with client names and the fee they paid.  I asked what it was and they said it was a contest for employees of some sort, lastly i researched the firm and saw there is a strong correlation between the owners and other companies they have ran into the ground.  STAY AWAY IF YOU CAN FROM THIS SCAM!

      • Loany Do

        That board is probably for their agents who sucker people in and they get a commission!!!

    • Steelhead7592

       Is you real name Farrah, or Julieanne mabe?

      • Matt Morgan

        What I find interesting is how this person ‘Steph_anie’ uses words like “loss mitigation negotiators.” I’ve never heard them referred to by that term. Seems like that’s a pretty definitive and appropriate word, like this person knows what she’s talking about. It would sound a lot more convincing if she used smaller words like the rest of her statement but “loss mitigation negotiators” is a term that insiders would use. It appears we have a cheerleader in our midst.
        DON’T FEED THE TROLLS!

    • jennilynsnow

      soon you will be scammed.  the file cabinet is full of BS.  It’s a good fron they pose.  You will not get any results nor your money back.  I am sorry.i will look for your angry posts in a year!!

  • Park1947

    richard 09/22/2011
    I am another victim
    I read all comment about HOALM and HOME OWNERS ADVCATE
    I think two company is same company  
    just They said HOME OWNERS ADVOCATE is run for marketing HOALM is LOAN agent
    but marketing team processing to HOALM for all document information that so same company.
    but I do not know that this time ,there are not same company work for customer.
    I am goner do sue both two company for  NATURE OF FRAUD.
    please some one know HOALM addresses.
    and comment please.I was paid 4995.3/17/2001
    hoalm is  not answer by e-mail and phone by what is going on my case for loan modification
    but HOME OWNERS ADVOCATE  Joe and Julieen  knewn my status that.

    • Jade

      Stephen vesper lives at 3868 carnegie drive oceanside ca

  • Steelhead7592

    Just filed a complaint with the Federal Trade comm.,State Attorney General, and the D.O R. about all you can do I guess

    • Park1947

      Just let me know please
      HOALM and HOMEOWNERS ADVOCATE or not

    • MAD CLIENT

      Looks like they are generating more sites to distract from these complaints.  You have to complain at ripoffreport.com and complaintsboard.com so they dont ripoff new people.  The adress is not Nancy RIdge dr anymore.  The contract i have is 5752 oberlin dr sd ca, but that is not a physical address. i went there and nobody there.  The physical adress is 5935 Cornerstone Crt W #250, San Diego, CA 92121. I am going there tomorow.  If u want ur money back and want to make a stand thats where i suggest u go and dont let them pawn u off to someone else in the assembly line.  They are responsible.  Lets stop this!

      • jennilynsnow

        did you get your refund??? did you go there?

      • Jade

        he lives at 3868 carnegie drive oceanside ca

  • lizzy

    Amazing. I am another victim of HOALM. My loan modification has been going on since January 2011. I too was told I must pay $3,995 upfront. I have been strung along for months with all of the excuses I am reading in this blog. I am about to lose my home and was diagnosed with Leukemia a few months ago. I am at a loss of what my next steps are. Please send me any advice as to how I can receive back the money I sent HOALM in January and/or to help me save my home.

    • Hrhfedup

      Lizzy, I know you have a lot on your plate, but I’ll be happy to add you to my efforts at bringing this man’s treachery to the media.  Take a look at my blog – start commenting with your story and then ask your friends to follow the blog and “like and share” comments on Facebook, Twitter, and any other social media site you can. I’m also working on a youtube video – we can bring a lot of attention down on this sucker…

      • Lance

        If you want to bring attention to people who may get scammed as well, its best to post on threads like this also on complaintsboard.com and ripoffreport.com, those sites draw alot of attention for companies who are in the wrong.  If this company is scamming people we must all pitch in to help prevent them from getting more people. 

      • Steelhead7592

        I got a copy of the bank ckeck we sent to them made out to My Home Owners Advocate endorsed by Homeowners Advocate on the back, Now this Sean guy told me My Home Owners Advocate is his company and Home Owners Advocate is a diffrent company when I asked him how one company could endorse a ckeck made out to another company and cash it without a bank deposit stamp on the back his answer was” I cant tell you that I dont know, Home Owners Advocate is a diffrent company”. Well when I called Steve Zesper who I was told was the owner of Home Owners Advocate, I got the same story from him about the check. don’t know any His phone number is 760- 216- 4282 if any one else would like to contact him

      • Educated One

        My Homeowners Advocate is the company you pay originally.  They then subcontract the file out to other processing centers to work on the file.  They collect the money and then claim they had nothing to do with it.  Steve is a good guy and he refunded me his porton (30%) that he got to complete the file.  My homeowners advocate keeps 70% and runs with t.  Thats who we have to bring down! Let everyone know about this scam! 

    • Park1947

      we need sue both campany HOALM and HOME OWNERS ADVOCATE 
      because one company is marketing one company is loan agent
      we need report to district attorney at county of sandiago

  • Hrhfedup

    I have just finished my “negotiations” with My Homeowner’s Advocate and HOALM.  Although Stephen has told me he will refund the portion of funds due me that he was paid, Sean Horan refuses to accept that he kept the remaining $2995 and that per our contract he owes me a refund.

    I will be posting not only the contracts, but all of the emails, notes about phone calls, etc on line to show that they are disreputable.  It’s cost me $3995 to learn exactly what kind of man Sean Horan is. Stephen Vesper seems to have gotten screwed by Sean Horan’s company but hey, what do I know. All I know is I’m out my money, I’ve lost my home and these guys won’t do the right thing by me.
    Leigh

  • Matt

    I just got one of their “pink” notifications in the mail yesterday. I’m glad that I found this website as I had decided to do some research on them. Funny, I work just around the corner from one of their offices here in San Diego. I think I’m going to pay them a visit. ;-)

    • ldo9

      Yes, pay them a visit.  My husband and I were going to do it but we are about 1.5 from there and to show up and say what – that’s what were contemplating.  They already took our money and now to spend more time to tell them that what they do to unsuspecting people who are PAYING them to for their help is shameful.  Then again, I don’t think these people really care and don’t pay too much attention to their conscience when they knowingly SCAM people!

      Good luck, and I hope you post about your experience with visiting them.  I’d like to see what kind of a sham office they have set up to lure people into their web of deception. 

      • ldo9

        By the way, you should ask them why the owner, Stephen Vesper, after havig his license suspended as a real estate agent, is able to do business in the loan modification arena without a valid and active real estate license? I was informed by the Association of Realtors that:  1) Either attorneys can do/run a modification company; or 2) a LICENSED realtor can do modifications…..Hmmmmm…Did I also tell you that we complained to the BBB and they were the ones who also determined that these crooks had to be licensed in order to do this kind of business? 

        They were so quick to respond to our complaint from the BBB, but when we provided statements to the BBB coming from HOALM (Stephen himself, the owner by the way) that they acknowledged that a refund was due to my husband and myself – NO RESPONSE from them to date has been made from HOALM or any of its agents, representatives, etc. 

      • Albert

        stephen vesper is a coke head.. the one you sniff, not drink.

    • http://GetOutOfDebt.org Steve Rhode

      Let me know what you find.

      • HELP

        These guys think they are slick!   They now have changed their name again!!  I had my friend call in and scope it out.  They sent her a contract with a new name on it.  Nationwide processing services.  Adress is a new adress around the corner too!  But turns out its just a mailbox.  Yes i drove their and no office.  Just a mailbox! I researched the new company name and found out they even had their own employees comment on yahoo, google, zoosk, u name it and give good reviews to make them look good!  We have to put a stop to this!  Make sure you research it and post ur experience so others can see! We have to protect others from getting scammed while we shut them down.  See th info below on their new company..

        Nationwide Processing Services 5752 Oberlin Drive, San Diego, CA 92121(888) 763-5665 ‎mynationwideprocessing.com

    • Jade

      he lives in oceanside 3868 carnegie drive

  • Thanksforinfo

    Thank you for the information.  I was contacted by this company and gave them my paystub and copy of mortgage information.  You are correct they appear to be marketing themselves as something that they are not.  Typical bait and switch operation, after two phone calls, I was given new information and told to send two years worth of tax returns and that a contract would be signed online after I gave them my social security number, also 3,300 USD would be put into a trust account (returned of course if I am not satisfied will the deal they get on my behalf).  When I asked to see a copy of the contract first to review they did not understand my concerns??????  You are correct run away and shame on Sean Horan – should be run out of town – P.S. They offered for me to visit their office – somebody should trash the place – maybe I’ll pay a visit with my 2 year old – he’s not quite potty trained and would love to crap in the corner :)  Remember the name Sean Horan San Diego.

    • Jade

      stephen vesper lives at 3868 carnegie drive oceanside ca

      • Tjmatsuoka

        That property is in foreclosure? Karma?

  • Joe Patton

    how do i get my 3500.00 back from escrow at HOALM?

    • Steelhead759

      First get a copy of the check from your bank. we can go from there.

      • ldo9

        So if I get a copy of the check from my bank, what happens then?  I am in dire straits right now :(

        I ultimately ended up losing my home and had to file for BK just about a month ago.

      • Hrhfedup

        My funds were paid via EFT – so will my statement work?

  • Steelhead759

     I forgot to add,” more to follow”

  • Steelhead7592

    My suggestion would be DO NOT get hooked up with My Home Owners Advocate, Home Owners Advocate, or HOALM ,meaning HomeOwnersAdvocateLostMitagation.
     I speak from personal exerience,after a prediction of a modification closure within 120 days” But not limited to,as stated in the contract” We had to send them a bank check for $3498.00 before any thing could procede
      Well guess what! after one year,  two denials and a final disqualification for a modification We have been run around,accused of breach of contract, and it looks like it may be a hassle to get a refund, if we get one at all

    • iron619

      I am a little curious about your story. My parents JUST got in touch with this company and I am concerned about this. I have some more questions I would like to ask you.

      • Steelhead759

        Tell them be very careful,  I suggest she be very careful,we signed a contract over a year ago with a $3495.00 up front payment, their prediction was 60-90 day closure,With a clause that reads , as long as but not limited to 120 days.
          It now has been over a year , what we have gotten for our money so far is,two denials and a disqualification,and a arguement when we wanted to void the contract and get a refund.
          When we got the disqualification from the mortage holder with no explation why, our case worker at HOALM would not respond to our calls,e-mails,and all attempts to contact her, when we called the bank to find out why we were disqualified we were told we were told we were in “Breach of contract” still no response as to if we get a refund,and we are in worse shape than when we started.

      • Steelhead759

         I should make it clear that HOALM told us we were in breach of contract with them for calling the bank on our own.

      • Steelhead759

         When I talked to who I was told was the owner of My Home Owners Advocate I was told that it is a diffrent company than Home Owners Advocate ,or  HOALM ( Home Owners Advoacte Loss Mitagation)
         Wy Home Owners Advoacte claims no liability for the up front money,it is HOALM that must be dealt with, talk about the run around!

      • ldo9

        That was same response that I got too!! I kept asking for a Stephen Vesper, who is the “supposed” owner of HOALM, not to be confused with My Home Advocate (because they won’t say that they are really one in the same company), we kept getting the run around.  They kept telling us the “legal department” was in charge of the refund and when I asked to speak to the legal department, I was then told it was “Stephen” who was in charge of the refund, etc.  They are crooks!! DO NOT DO BUSINESS WITH THEM!! WE PAID THEM $3,495.00 TOO OF OUR HARDEARNED MONEY!

      • Bwhite7538p

        HOALM is also a fake company.  All of these companies are one in the same and have all received an “F” rating by the BBB.

      • CONCERNED

        These guys think they are slick!   They now have changed their name again!!  I had my friend call in and scope it out.  They sent her a contract with a new name on it.  Nationwide processing services.  Adress is a new adress around the corner too!  But turns out its just a mailbox.  Yes i drove their and no office.  Just a mailbox! I researched the new company name and found out they even had their own employees comment on yahoo, google, zoosk, u name it and give good reviews to make them look good!  We have to put a stop to this!  Make sure you research it and post ur experience so others can see! We have to protect others from getting scammed while we shut them down.  See th info below on their new company..

        Nationwide Processing Services 5752 Oberlin Drive, San Diego, CA 92121(888) 763-5665 ‎mynationwideprocessing.com

      • Bwhite7538p

        the law states that no “remodification company” can collect fees until the necessary legal documents have been signed and approved by the lender.  All others are a fake.

      • Hrhfedup

        Please tell your parents not do do this!  They have taken my money and were not able to do anything. Per their own contract if they can’t provide a resolution you get a refund, but they won’t give it to you!

      • ldo9

        We are in the same boat!!! Blah, blah, blah – 100% guarantee that you get your money back! Well…it’s now close to OVER 4 months from the time in which my house sold and HOALM aka My Home Advocate aka “LET ME SCREW YOU, LLC” has received the so-called Refund Disclosure and we have yet to see a dime!! Calling them doesn’t work because they would have to pick up the phone and their agent/receptionist/ringer “Tami Steffan” will “hand deliver” the message personally so that “they” (whoever that is now) will definitely call you back!!!

        The only way that anyone is going to get a call back from this sham company is if they don’t have your money yet!! 

        It makes me sick how corrupt the owner and its employees are! I mean I would have to assume that these people have parents and children and they willingly take advantage of people who are on their last leg and have no remorse whatsoever because they continue to do their job day in and day out! 

    • ldo9

      OMG! That is what is happening to us! Our file closed sometime in April 2011, and now being almost September 1, 2011, no refund!! We signed that so-called Refund Disclosure and per the Disclosure, it says, “a cashier’s check will be in the mail within 14 business days from the date in which HOALM receives the Refund Disclosure.”  We have left more than a dozen messages, post messages on that fake portal of theirs, and no response!! We are going to have to sue and we did report them to the BBB. What a bunch of crooks!!!

      • http://GetOutOfDebt.org Steve Rhode

        I would not delay and also file a complaint with the California Attorney general and the Attorney General in your state.

      • Hrhfedup

        I will be doing that , Steve. I’m tired of the run around and I want my damned money back.

  • Scott Free

    Correct me if I’m wrong, is the loan mod industry winding down?  Are most of these places scaling back?  Yet Impact appears to be expanding or at least in cruise control.  Any thoughts?

  • Stacy

    This was very helpful.  I was just about to give $3495 to them, which is all I have.  After reading this I did my research and realized they were not a good credible company.  They somehow got my file “approved in 48 hours” and then the sales rep was being pushy to sign by end of month!! He even told me he was going to deny my file if I didnt move forward?? Sounds VERY fishy to me.  Please do your research before losing your home.

  • Melanie

    I almost signed up with these crooks! They have a F rating with BBB and they now again have a new adress.  My friend that referred me didnt even get her file completed and then they had the nerve to ask her to shortsale!! They told my friend she was APPROVED by her investor and that it was 100% guaranteed! all lies according to the law!  Further research on the adress and names shows several companies these people have ran into the ground and scammed money from others.  RUN IF YOU COME ACROSS THESE PEOPLE!  Better yet cotact the authorities!

  • Melanie

    I almost signed up with these crooks! They have a F rating with BBB and they now again have a new adress.  My friend that referred me didnt even get her file completed and then they had the nerve to ask her to shortsale!! They told my friend she was APPROVED by her investor and that it was 100% guaranteed! all lies according to the law!  Further research on the adress and names shows several companies these people have ran into the ground and scammed money from others.  RUN IF YOU COME ACROSS THESE PEOPLE!  Better yet cotact the authorities!

    • Stacy

      This was very helpful.  I was just about to give $3495 to them, which is all I have.  After reading this I did my research and realized they were not a good credible company.  They somehow got my file “approved in 48 hours” and then the sales rep was being pushy to sign by end of month!! He even told me he was going to deny my file if I didnt move forward?? Sounds VERY fishy to me.  Please do your research before losing your home.

      • Hrhfedup

        The rep is from My Homeowner’s Advocate – Sean Horan’s company. Because they sign the file over to HOALM for processing, they are refusing to refund my money.  My deal with was My Homeowner’s Advocate (ha, really?) and Sean Horan as the owner needs to take responsibility for it.
        Leigh

      • ldo9

        I have all the emails and the contract as well stating we are owed a refund and one will be forthcoming…. It’s all talk…I just can’t believe that we got conned out of our money.  That’s my working two jobs to save up for several months to give them that money in hopes that we could get our mortgage reduced to something affordable! Did I also mention that when they did give us the modification, it was more expensive?? Then Stephen had the nerve to ask me why don’t I can’t cut back on my “luxuries” so that I can afford the modification that they are giving me?? Hmmm…My luxuries – you mean food??? Yes, I can certainly cut down on more because spending $250-$300 a month for food is absurd for a family of 4!  Why don’t I just throw in cutting off the electricity as well??

        I informed Mr. Vesper that we were living as economical as possible (bare minimums,i.e. no eating out, buying generic food, applying for reduced lunches for my two kids, not running the AC, walking to the grocery store, etc.) but I’m sure for a man who probably drives a $100K car and lives in a very nice house in San Diego, how can he possibly understand why even a $100 a month savings can make or break a household???

      • Seans ass horan

        Stephen does a lot of cocaine. 

      • Cgh

        These guys think they are slick!   They now have changed their name again!!  I had my friend call in and scope it out.  They sent her a contract with a new name on it.  Nationwide processing services.  Adress is a new adress around the corner too!  But turns out its just a mailbox.  Yes i drove their and no office.  Just a mailbox! I researched the new company name and found out they even had their own employees comment on yahoo, google, zoosk, u name it and give good reviews to make them look good!  We have to put a stop to this!  Make sure you research it and post ur experience so others can see! We have to protect others from getting scammed while we shut them down.  See th info below on their new company..

        Nationwide Processing Services 5752 Oberlin Drive, San Diego, CA 92121(888) 763-5665 ‎mynationwideprocessing.com

      • Bwhite7538p

        i totatlly agree with you but the fact of the matter is when i did my first packet with my lender they turned me down because one of many of my breakdown list was off, one of them being food which i listed as 400-600 month! when they said it was way to high, i asked them what was reasonable for a growing family of four and they said $200-$300 a month which i found absurd! i asked them, what are the families eating, mac & cheese for the whole month? they also dinged me on gas, electric, and god forbid going out to the movies! it’s rediculous. i’m now into my my 3rd and last attempt at a remod.

      • Bwhite7538p

        i received this pink notice which i thought it was from HUD and sent in all the pre-liminary stuff and thursday only to be notified on Monday that i have been approved and i’m in nogotiations with my lender for the past 5 months behind in mortgage payments. how they did it in three days sounds fishy to me and after reading these posts i don’t think i’ll be sending anymore of my stuff to them.   thanks

        Bruce

      • Bwhite7538p

        i received this pink notice which i thought it was from HUD and sent in all the pre-liminary stuff and thursday only to be notified on Monday that i have been approved and i’m in nogotiations with my lender for the past 5 months behind in mortgage payments. how they did it in three days sounds fishy to me and after reading these posts i don’t think i’ll be sending anymore of my stuff to them.   thanks

        Bruce

    • Betsy

       Funny how NO ACTUAL CLIENTS have anything NASTY to say about this company.  Don’t believe everything you read on the Internet.  Maybe you should stop the BS and try to do your own modification.  After 1 1/2 years of being denied and dragged along you will find for yourself that you should have given them a shot to prove themselves.  100% money back guaranteed speaks for itself.  ASSUMPTIONS make you look like an ASS.  Knock, Knock.  That’s the Sheriff telling you to get out.  The bank now owns your house.  Should have done something sooner. 

      • http://GetOutOfDebt.org Steve Rhode

        Did you actually read the other comments? It seems there are actually others that have involvement with this company that are complaining.

      • Hrhfedup

        Well, Betsy, or maybe I should call you Julieann….your post was OBVIOUSLY written by someone who didn’t get screwed.  Meaning an employee.  I can’t find one single believable  review of this company and now I personally know why – they steal, they lie and they run.

      • Jennilynsnow

        Betsy: you are an idiot.  I am an actual client and they did nothing for me.  I am after my refund and they have left.  I now have real lawyers working on my modification and they have come through.  So suck it.  You are also a bitch.  I hope you watch yourself.   AND BY THE WAY.  there has been no money given back to me, so you are also wrong with that.  YOu are the ASS.  I bet you work for them :)  go get a real job.

      • jennilynsnow

        suck it again.

      • Pissed Client

        My Modification that they were trying to do was denied back in August.  I have yet to receive my refund of $3495.00.  I have now been approved for a modification through my lender.  They do not call you back and Stephen Vespers number is no longer a valid number.  This is a scam that takes advantage of people who need help.  They are making money on people just to make money.

      • Pissed Client

        My Modification that they were trying to do was denied back in August.  I have yet to receive my refund of $3495.00.  I have now been approved for a modification through my lender.  They do not call you back and Stephen Vespers number is no longer a valid number.  This is a scam that takes advantage of people who need help.  They are making money on people just to make money.

      • Plillian10

        Here it is an actual client telling you it is a scam and no you will not get a refund. 

      • Plillian10

        Here it is an actual client telling you it is a scam and no you will not get a refund. 

      • Bwhite7538p

        hey betsy or whatever you call yourself, your knock, knock bs is a load of #@^%.  the only thing that’s knocked up is you. ooh you still employed or did you assume another knock, knock name!

    • Lisa

      I was sceptical too, but they just finished my loan mod in 67 days.  My payment dropped from $3,265 to $2,158.  That $1100 a month savings has saved me.  AND I was 14 months late.  My foreclosure date was two weeks away and they stopped my foreclosure.  I don’t work for these people but I am lucky to have found them.  Thank you!!!!

    • MARYJANE

      ACCREDITED HOME ADVOCATES IS THE SAME AS MY HOMEOWNERS ADVOCATE TOO. THEY ARE ALL SCAMS. DON’T BELIEVE THEM. THERE IS A REASON THEY HAVE AN ‘F’ RATING WITH BBB.
      THEY LIE, CHEAT AND STEAL!!!!!!!

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