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Lloyd Ward & Associates – UFAN – New Player in Deceptive Form 1012-R Mailer

Update October 13, 2011 – Lloyd Ward & Associates and Lloyd Ward denies they are or were involved in UFAN or the mailer that was sent out.

Lloyd Ward & Associates   UFAN   New Player in Deceptive Form 1012 R MailerOver the years attorney Lloyd Ward has made an appearance in a number of my stories, click here. And I did notice that a while ago he had wandered into the mass joinder marketing arena and away from debt settlement to the degree he had been.

Since the mass joinder “scam” hit my radar I’ve been requesting readers to submit Form 1012 mailer examples at the request of the California Bar, click here.

Up till now the mailers have been from the usual cast of players but that’s to a helpful reader a new one arrived in my email and also sent to the California Bar.

The problem with the Form 1012 mailer is that it is an attempt to deceive and fool recipients that it is an official or government mailer which can frighten someone into thinking they have been sued. When in fact this mailer is actually a sales piece to sell legal services, although that’s not properly disclosed.

Then once we get inside the mailer it appears that the person is a plaintiff in a lawsuit against their lender and is eligible for the following benefits for joining:

  • Interest Rate Reduction
  • Forgiveness of Past Due Payments
  • Principle Balance Reduction
  • Stop Foreclosure
  • Monetary Damages

All of that sounds wonderful but what I’m seeing in the mass joinder marketing arena are consumers that are being promised all sorts of benefits they have not received any to date and being asked to pay thousands of dollars to join a mass joinder lawsuit. There is no mass joinder lawsuit I am aware of that has resulted in the awards promised.

The bulk of the money from this is going to be made by the marketing agents who receive very generous commissions, which I’ve previously documented.

So let’s look at this mailer a bit closer.

The Outside

Lloyd Ward & Associates   UFAN   New Player in Deceptive Form 1012 R Mailer

Let’s evaluate the outside and back of this mailer. Actually the back of the sealed mailer that is folded over. It bears the same stamped number that other Form 1012-R mailers have from other marketers. 2915217.

The message on the back, which is hard to read, contains a very important message, “We Do Not Guarantee a Successful Outcome.

The full message says:

*Information was obtained through public record sources; UFAN is not sponsored or affiliated with above mentioned lender. Pre-selection criteria and audit of home loan consist of loan amount, loan to value, percentages, date of loan, and residential jurisdiction. Eligibility status for representation is based on numerous criteria, including but not limited to lender participation in loss mitigation negotiation, LTV restrictions, loan amount, verifiable client hardship, bankruptcy law payments, principal reduction, lower monthly payments and debt forgiveness are potential Settlements but will vary case to case. We do not guarantee a successful outcome. This advertisement does not containing or constitute legal advice. UFAN 12655 North Central Expressway, Suite 1000, Dallas, TX 72543

So here is the interesting thing about the mysterious UFAN. If you do a Google search for this company that wants to represent you, here is all you get for who they really are, NOTHING!

Lloyd Ward & Associates   UFAN   New Player in Deceptive Form 1012 R Mailer

So how did I connect this mailer to Lloyd Ward & Associates, the addresses match.

Lloyd Ward & Associates   UFAN   New Player in Deceptive Form 1012 R Mailer

The disclaimer message makes a statement that sounds much like a mass joinder approach by another player, the pre-litigation audit, read this previous article.

Now to the front of the mailer.

You will notice the return address on the mailer is very cryptic and says it is for “Official Business.” What’s official about an advertising mailer?

It says Legal Notice – Multi Party Lawsuit which could easily frighten anyone that gets this. And then it contains the same disclaimer on the bottom used by other similar mailers. In my opinion the entire front of this mailer is deceptive, misleading and grossly unfair to consumers.

The Inside

Lloyd Ward & Associates   UFAN   New Player in Deceptive Form 1012 R Mailer

The charade this is an official government form continues on the inside with the design. The 2011 and layout suggest this is a regulatory or government notification.

The mailer says it is a final notice and requires an immediate response. Consumers who have received such mailers before say they have not received a prior notice. It’s just a trick to get people to call.

In the blocks at the top it labels the person receiving this as the plaintiff and says they are being notified of a litigation that is for a principal balance reduction. The purpose of this mailer is to trick the consumer to call in so they can get the sales pitch from the marketing representatives.

The number listed is 866-345-9240.

The inside of the mailer also provides no disclosure that this is a mailer for legal services in accordance with Bar instructions.

Much of the information in the inside I covered earlier in this article.

How You Can Help

If you have received a similar mailer from UFAN and have heard the sales pitch, please post a comment below. I’m very interested in the service and price you were pitched.

Lloyd Ward & Associates   UFAN   New Player in Deceptive Form 1012 R Mailer
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Additional UFAN 1012-R Mailers

Lloyd Ward & Associates   UFAN   New Player in Deceptive Form 1012 R Mailer
Note the confirmation number and property area number are the same for this and other mailers.

Lloyd Ward & Associates   UFAN   New Player in Deceptive Form 1012 R Mailer
Note same external serial number. It’s a fake.

UFAN Mailer to Florida against Countrywide

Lloyd Ward & Associates - UFAN - New Player in Deceptive Form 1012-R Mailer by

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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.
  • guest

    I sign up to get info through UFAN web site. What I got was and endless string of solicitations phone call from all these scam artist attorney that claim they can help. Starting as low as $5K and up. They kept selling my info over and over and over. I finally had to disconnect my number to end the harassment. They are the scum of the earth looking to pry on the misfortune for the sake of making a fast buck !! I will never sign up for such BS again !

    • James01

      So complain to the California State Bar about the attorney, Krista Crone (or something like that) who owns UFAN.  (she gives her name on the website).  If she caused you to disconnect the phone you have a valid complaint.

      I don’t get why people complain about her and her company on this website but don’t take 20 minutes to file a State Bar complaint.  I think her and UFAN may be near the tipping point with the California State Bar anyway, so maybe you can be the straw that breaks the camel’s back.

      One interesting note to UFAN.  All of you who paid UFAN to handle some legal matter for you, note that hear in Southern California UFAN primarily uses “contract attorneys” to make court appearances on “UFAN” matters.  That means the attorney appearing at the court hearings in “your” case has no connection to UFAN, has never spoken to you, the client, probably does not have access to the file in your case and may have no idea what the case is about.  UFAN hires what I call “attorney brokers” to find self employed attorneys who are willing to appear in court for $50.  UFAN probably pays the broker about $100 and the broker runs ads on craigslist and in legal newspapers to find out of work attorneys who need the money for a quick court appearance.  

      In Los Angeles County, you can go on the Los Angeles County Superior Court website, look under “case summaries”, put in your case number and see who is really appearing at the hearings.  Probably will be some attorney you never heard of.

  • guest

    UFAN

  • Deltiger2000

    I got many emails and calls from these people.  The final out come is I need to hire a lawyer!  but they could not help.  why bother me if they can’t help.  waste my time and energy to tell me what I know BOA messed up and they will continue to cause me harm because they are above the law.  UFAN does nothing to help.

  • Kristin Crone

    On behalf of UFAN Legal Group, PC, I would first like to extend my appologies to anyone who received these mailers.  Neither of the above posted mailers came from UFAN.  This is not approved marketing material (in fact no marketing should be sent outside of the state of California on behalf of UFAN), and Lloyd Ward & Associates is not now, nor have they ever been working with UFAN.  I do not know why that company would send out a mailer with the UFAN name on it.  This issue was just brought to my attention and I immediately sent out a cease & desist order to all parties I could find who were involved. 

    If anyone has been injured by this mailer in anyway, please contact the UFAN office directly at 877-791-2247 or 916-794-0944.  You can ask for me, Kristin Crone.  I am the owner and managing attorney.  Please reference this message when you call so my secretary will be sure to put your call through to me.  You can also reach me directly by email at [email protected].  If you have any questions as to the validity of who I am, please look us up with the California Secretary of State at http://www.sos.ca.gov.  You can also find me on the California State Bar website at http://www.calbar.ca.gov.

    • http://GetOutOfDebt.org Steve Rhode

      Thank you for your comment. I hope people take you up on your offer.

    • AlCapone

      Do you offer any explanation for WHY these mailers are everywhere, why Lloyd would be claiming to represent UFAN? or should it just remain a mystery?

      • Kristin Crone

        I would love to explain it, but like I stated this issue was just brought to my attention.  None of the numbers on the mailers are working, and I’m trying to investigate the situation myself.  So far, it seems from my conversations with Lloyd Wards office that they didn’t have anything to do with the mailer either. 

        I posted my contact info so that all of you could help me try to track down the parties responsible.

  • MA Lawyer

    UFAN now has a website up which you can find by typing United Foreclosue Attorney Network, it states a number of cases that it has filed this year in 2011.  It tells you to click on the cases to see the complaints filed but when you try to click it doesn’t work.  It states the site is still being updated.  Has anyone looked into these cases that they are citing to see if they are legit? 

  • Serrana Pilar

    Thanks Steve!
    could get no info from the CA Bar or Bar Association, so very grateful for this. The one I got came from Aliso Viejo, CA (Viejo misspelled). No form number or bar code but everything else much the same, and they also asked me for $5000, and urged me to do “due diligence”. Thanks for being diligent!

    • Serranapilar

      And the phone# they used is: 855-244-3734. They are going by UFAN with an attorney by the name of Kristin Crone. She has no disciplines against her – yet.

  • Bigirish280

    I live south of Boston, Ma. I have recieved a similar document but, mine is titled Notice Regarding National Litigation. The phone number provided is 855-244-3734 and the address was 85 Argonaut, Ste 100 Aliso Veijo California. I am NOT in forclosure. I did hear the sales pitch and they were asking for $5,000. They now have some fairly convincing web sites and I ran across this page after at least a dozen blogs with UFAN’s name on it. I am happy I finally came across this. I was actually starting to get convinced.

    • http://GetOutOfDebt.org Steve Rhode

      What were some of the other sites you saw? I’m interested to take a look at them.

  • Toni

    The exact same mailer arrived in my mail including the UFA file number, the threat of being a plaintiff, the promises mentioned above. The differences were the property referenced is in NJ, Wells Fargo is the lender mentioned and the phone number is 866-386-1630. Thanks for exposing this.

  • Anon

    We too have been subject to the same flyer underlined “Final Notice”. I think we should be contacting MSNBC and get this scams a wider exposure or send them mass mailers with a juicy Multi Party Lawsuit….of course..We Do Not Guarantee a Successful Outcome.” :))

    • Steve

      Thanks for the warning. I just received one as well. Other than my name, my morgage company name and the morgage amount, it looks identical to the images you posted. You would think that deceptive marketing like this would get lawyers barred and people thrown in jail — I guess not.

      • http://GetOutOfDebt.org Steve Rhode

        Not? Not yet. but it’s coming.

  • Babsnme2

    Thank you for your post in this economy we definitely need to be careful, I received same mailer for total loan amount of $975,000 total scam

  • Cribbnotes

    I live in Las Vegas and received the exact mailing shown above – with my name on it, of course.  I called out of curiosity and it is indeed a pitch for a multi-party lawsuit.  I was told they required a $5000.00 retainer to enroll.  I was sent paperwork for enrollment, which I have not looked at.  I seemed to good to be true and I’m sure it is.  Now we have attorneys trying to scam us too?!

    The reality is that those of us who are making our mortgages but are living with significant negative equity seem to have no recourse.  The continued high rate of foreclosures and short sales has effected our property values even though we made responsible decisions regarding home purchase and loan type.  HAMP is not designed for those of us who tried to be smart about our home purchases and who are honoring our legal obligation to the debt.  While I know that many foreclosures are related to job losses, I am also aware that there are people who are bailing out on their negative equity even when they can make payments.  Not to mention the predatory lending practices of the banks that led to inflated home prices and ridiculous loans.  Real estate used to be the American Dream.  The greed of the banks and the “gimme gimme” attitude of many homebuyers who took out loans they couldn’t afford is the problem.  I guess we just have to suck it up or join the chaos!  Two less than stellar options.  Thanks for nothing feds and bankers!  And now attorneys.

    • http://GetOutOfDebt.org Steve Rhode

      Your recourse is actually to strategically default on the mortgage to get your personal financial situation back on track.

      • Cribbnotes

        Not sure I understand strategically defaulting.  Isn’t that part of the problem?  It’s been suggested to me to just stop makign payments and save what I would be spending on my mortgage until the bank forecloses for another home. Is that what your suggesting as well? — JC

      • http://GetOutOfDebt.org Steve Rhode

        In a strategic default you would had the house back to the bank and follow that up with a bankruptcy to break the bond between you and the bank. Simply allowing yourself to be foreclosed on does not remove your liability.

        You should talk to your bank about reducing the amount of your mortgage. If they won’t then your choice is to stay and pay or take action to protect yourself moving forward.

        Strategic default is not in the best interest of the real estate industry but I was assuming you were asking me what made sense for you as an individual.

        Some banks offer a cash for keys program where they will pay you to leave the house. Regardless of what approach you elect, you should coordinate all of this with a local bankruptcy attorney.

  • Anonymous

    we got the same b.s.  mailer, but the phone number given  (888) 559-3795   is for a kia dealer

    ul 12, 2011 – Myrtle Beach Kia. Auto, Myrtle Beach, SC. (888) 559-3795 

    looks like these scum bags can’t even get their phony    info correct.

    • http://GetOutOfDebt.org Steve Rhode

      LOL.

  • Brunsonts

    I just rec’d in todays mail a letter from UFAN – I called (866-400-8159) and they made the above promises and wanted 5,000.00 up front in fees.  I explained to the gentleman that I don’t have 5,000.00 and I am currently unemployed.  He was so kind as to offer to spilt it up in a few monthly payments.  I also explained to him that I am currently working with the Florida Bar Assoc on another attorney who’s running a scam very close to this.  I then proceeded to tell him I was not interested in paying yet another attorney to do nothing except make promises they have no intention of keeping.   The addess on this letter was:

    3000 NE 30th PL, Suite 300, Ft. Lauderdale FL 33306

    Good Work Steve

    • http://GetOutOfDebt.org Steve Rhode

      Thanks!

  • Livinglegacy

    I just received this today and figured I’d do some research on this “official” notice that indicates I have fallen asleep at the wheel because it is after the “FINAL NOTICE”  Oh brother!  If I have time I will call them, listen and post the pitch on your site.  Thank you for all you are doing to protect the good people of this nation.  Scammers are  annoying! 
    Received 7/11/11 in Orlando, FL 

  • Skepti-call

    I too received this same exact mailer and jumped on the internet to see what it’s all about.  Thanks to the internet, I see it’s another scam trying to take advantage of people while they are down.  The number on my mailer is 866-386-1630.  All the other information on the mailer is the same as the ones shown on this site.  Thanks to the good people still out there posting things like this.

  • Bchmusic

    oh yeah, he asked for my ss #…while no one wants to be “me” I did not give him my ss.

  • Bchmusic

    Received a letter “notice of Multi-party lawsuit against ______(bank name).  Made the call to 866-400-8159.  Was told that they could help me reduce, renegoiate, etc, etc, but wait for it…..they need $5000 up front for my “contingency” case.  Not likely.

  • guest

    Just want to say “Good Looking out”  the crooks are taking over and it started with the government.  Thanks for giving us more info.

  • Fyreteam

    I am glad I found your comments on this false advertising these types of mailing promise.  I received the exact 1012R mailer described above. I have been receiving these types of mailers for the last 4 years, it’s annoying, but if you take the time to carefully look item over from top to bottom it is usually apparent that this is advertisement to sell you something. Kudos to you I googled to get to this page so I could forward to my husband who keeps putting these asside for me and is annoyed why I don’t call. So thanks!

  • Fyreteam

    I am glad I found your comments on this false advertising these types of mailing promise.  I received the exact 1012R mailer described above. I have been receiving these types of mailers for the last 4 years, it’s annoying, but if you take the time to carefully look item over from top to bottom it is usually apparent that this is advertisement to sell you something. Kudos to you I googled to get to this page so I could forward to my husband who keeps putting these asside for me and is annoyed why I don’t call. So thanks!

  • plcrab

    I live in Flagler Co., FL, and received the form you described above — same identical info.  It looks legit, but I figured it might be a scam so I checked it out and found your site.  I have a mortgage with Bank of America and am underwater.  I read all the comments and would like to respond to the one from DMASI dated 07-07-2011.  The contact phone number on the form I received is 888-245-5961 (same as DMASI) and the address is UFAN, 12655 N. Central Expy., Suite 800, Dallas, TX  75243.  DAMSI said the person she spoke to said he was an assistant gathering information for the Law firm  PLC – Processing Law Center Fron Orange County, CA.

  • Dmasi

    I just received the same  mailer this week. Called today and spoke with Mark at this number 888-245-5961.  He did not hear of UFAN from Dallas,.  He was an assistant gathering information for the Law firm  PLC – Processing Law Center Fron Orange County CA.  Interesting name for a lawfirm considering everyone I ever heard, used their last names.

    He sound very professional and indicated that if after a free evaluation they find that my loan may qualify for the group class action suit, they would let me know.  There was not charge to evaluate the loan.  Going to send me an email regarding what forms I need to fill out or fax in.  Since I am in real estate, I immediately do my research and found this blog.   I always recommend getting their contact info, to some research, before making additional contact and never send money!  Real companies have websites, and now should have respectable facebook business pages. 

    Thanks for your attention to this issue. 

    http://www.facebook.com/AZHome

  • http://www.AZ-Homefinders.com Dmasi

    I just received the same  mailer this week. Called today and spoke with Mark at this number 888-245-5961.  He did not hear of UFAN from Dallas,.  He was an assistant gathering information for the Law firm  PLC – Processing Law Center Fron Orange County CA.  Interesting name for a lawfirm considering everyone I ever heard, used their last names.

    He sound very professional and indicated that if after a free evaluation they find that my loan may qualify for the group class action suit, they would let me know.  There was not charge to evaluate the loan.  Going to send me an email regarding what forms I need to fill out or fax in.  Since I am in real estate, I immediately do my research and found this blog.   I always recommend getting their contact info, to some research, before making additional contact and never send money!  Real companies have websites, and now should have respectable facebook business pages. 

    Thanks for your attention to this issue. 

    http://www.facebook.com/AZHomeFinders

  • Brookwood Carolina

    We live in the St. Augustine, FL, area, and our 1012-R mailer looks identical to the one you posted, including the same contact numbers for a Litigation Settlement against Countrywide KB Home Loans, with total loan amount $246,990. Our servicer, BAC, now BOA, NA, sends various communications, including the latest from Florida Default Law Group saying we are now in foreclosure and they are proceeding to take our home, even though we have disputed the note and requested proof that we owe BAC (Fannie Mae). We opted out of the last class action law suit against Countrywide, which included a statement that we agreed to drop any further litigation against Countrywide. Thanks for the post. I check out all the addresses now before replying.

  • Brookwood Carolina

    We live in the St. Augustine, FL, area, and our 1012-R mailer looks identical to the one you posted, including the same contact numbers for a Litigation Settlement against Countrywide KB Home Loans, with total loan amount $246,990. Our servicer, BAC, now BOA, NA, sends various communications, including the latest from Florida Default Law Group saying we are now in foreclosure and they are proceeding to take our home, even though we have disputed the note and requested proof that we owe BAC (Fannie Mae). We opted out of the last class action law suit against Countrywide, which included a statement that we agreed to drop any further litigation against Countrywide. Thanks for the post. I check out all the addresses now before replying.

  • Steve Rhode

    It is not true and I wrote about that before but it seems you didn’t even bother to look.

    See http://getoutofdebt.org/26257/

  • UNDERWOODTR89

    I agree that information about any legal action should be thoroughly looked into.  I also think that advice from any individual requires you look into the individual giving the advice. I don’t know whether this law suit will work or it won’t. My advice is that you study the basis of the lawsuit, and make an informed decision.  You should also check with the Bar to see if any action has been taken against the firm for improper conduct.  DO YOUR HOMEWORK YOURSELF.  Here  is some information I found on the author of this forum.  http://www.debtmanagementguys….  Is it true?  I don’t know. But we as consumers owe it to ourselves to use our own mind to determine if something is good for us.  You could miss out on great opportunities otherwise.  Analyze your situation, look into your options, and look into the company offering help.  EVERYONE SEEMS TO HAVE AN AGENDA THESE DAYS.  STEVE RHODE MAY BE NO DIFFERENT.

  • UNDERWOODTR89

    I agree that information about any legal action should be thoroughly looked into.  I also think that advice from any individual requires you look into the individual giving the advice. I don’t know whether this law suit will work or it won’t. My advice is that you study the basis of the lawsuit, and make an informed decision.  You should also check with the Bar to see if any action has been taken against the firm for improper conduct.  DO YOUR HOMEWORK YOURSELF.  Here  is some information I found on the author of this forum.  http://www.debtmanagementguys.com/blog/144/rebuttal-to-steve-rhode-the-get-out-of-debt-guy-dork/.  Is it true?  I don’t know. But we as consumers owe it to ourselves to use our own mind to determine if something is good for us.  You could miss out on great opportunities otherwise.  Analyze your situation, look into your options, and look into the company offering help.  EVERYONE SEEMS TO HAVE AN AGENDA THESE DAYS.  STEVE RHODE MAY BE NO DIFFERENT.

  • Steve Rhode

    My personal opinion is that it is unproven at this point, it may take years to reach a resolution and the bulk of the money you pay goes to the marketing consultant. If you want to do anything like this get a second opinion for a local real estate attorney licensed in your state.

    Just remember, the old adage, if it sounds too good to be true…

  • Consumer Advocate

    Hello Steve- Concerning info considering I was ready to shell over 4.7k “up-front” and then another 1k per month for a max. of 7 months. This UFAN appears to be a National Network of Atty’s? There is a company out of Brea, CA who sell a convincing story. over the phone this guy named Edwin who works for the company/middle man? said he’d guarantee I’d stay in my home for 18 months. I take it it’s all BS? Please Advise ASAP!!!

  • http://pulse.yahoo.com/_QRSITMGMP7PENA7LCETJ5HINB4 Consumer Advocate

    Hello Steve- Concerning info considering I was ready to shell over 4.7k “up-front” and then another 1k per month for a max. of 7 months. This UFAN appears to be a National Network of Atty’s? There is a company out of Brea, CA who sell a convincing story. over the phone this guy named Edwin who works for the company/middle man? said he’d guarantee I’d stay in my home for 18 months. I take it it’s all BS? Please Advise ASAP!!!

    • http://GetOutOfDebt.org Steve Rhode

      My personal opinion is that it is unproven at this point, it may take years to reach a resolution and the bulk of the money you pay goes to the marketing consultant. If you want to do anything like this get a second opinion for a local real estate attorney licensed in your state.

      Just remember, the old adage, if it sounds too good to be true…

  • Gnhnelson

    i recieved the same mailer except the phone number on this one is 888-256-8987 everything else is the same i called and theyre in ca. and they want $5000 sooooo not doing it thank you so much

  • Gnhnelson

    i recieved the same mailer except the phone number on this one is 888-256-8987 everything else is the same i called and theyre in ca. and they want $5000 sooooo not doing it thank you so much

  • Guest

    This exact document arrived in the mail in Jacksonville, FL, only the “Total Loan Amount” was 225.000.   Thanks for exposing this.

  • Guest

    This exact document arrived in the mail in Jacksonville, FL, only the “Total Loan Amount” was 225.000.   Thanks for exposing this.

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