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Liberty Credit Law, P.C. – Consumer Complaint

Date This Problem Happened: May 5, 2011

State You Live in: Florida

Age Range: 51-65

Total Amount of Fee Paid: $2624.50

Company Name: Liberty Credit Law, P.C.

Company Address: 117 Kinderkamack Rd, Suite #105, River Edge, NJ 07651

Website of Company: www.libertycreditlaw.com – Source

Consumer Statement:

Liberty Credit Law,P.C. 117 kinderkamack Rd. Suite#105 River Edge,NJ07661 scammed us out of $2,624.00. They ran a commercial in Fl about helping people with hardship loan modifications.

After speaking to them on several different occasions they assured me that being attorney’s they could do more than citimortgage could on a hardship modification loan and that we were prime candidates for the program.

I told them that I had tried to get a modification 3 times the previous year with citimortgage and been turned down every time.

And so after several conversations being told that if they couldn’t help me I would get a full refund. They stated that it was a serious situation and time was of the essence and the modification should only take 6 to 8 weeks. I had told them we didn’t have that kind of money and that I would have to not pay a mortgage payment in order to do this. And they said once they get started then everything would be in limbo during the process and the mortgage company couldn’t touch us until the issue was resolved. And after giving them a retainer of $1,750.00 they would schedule a payment plan to withdraw $874.00 one month later and another $874.00 one month after that.

Upon giving them the retainer they said they would email me within 48hrs to let me know all the paperwork they would need and I could fax it back the very next day. It took one week after giving them the money for them to email me what they needed and I was very concerned about their delayed response. The very next day I faxed the paperwork back. One more week went by and they asked for more paperwork which I sent in the very next day. Then one more week went by and they asked for more paperwork which I faxed back. Then another week went by and they called me and asked for any other paper work because they were going to have a hard time getting me a loan modification. Now a month had gone by and all they were doing is asking for paper work and nothing at all had been done on what they said would take 6 to 8 weeks.

They hadn’t called our mortgager and all they were doing was putting papers in a file for the attorney Robert Savino took look at when they felt they had everything in order for him. I told then when they called asking for more info that I wanted a refund and for them to stop. They told me I couldn’t have a refund and that I could do whatever I wanted but they wouldn’t give me money back.

They told me they called city mortgage about representing us and the power of attorney. Also that I signed a binding contract and that I didn’t have a leg to stand on and I must go through a NVP test to see if I would be approved or denied. And I could not have my money back and do what ever I needed to do.

So I called city mortgage and they said no one has ever contacted them about my loan. I aked to have the attorney Robert Savino,Esc. call us and Jennae McCloud the supervisor of client services said she would have him call me and she never did.

Five days later I called her back and she said I thought I had him call you and when I told her no he didn’t call she set me an appointment foor five days after that.

When I spoke to the attorney nothing had been done yet and when I told him Jennae had told me she contacted city mortgage and spoke to them about the power of attorney. He told me they hadn’t done that yet. He also told me that after the NPV test was done that if I was denied then I could request a refund in a fax within 48hrs.

After speaking to the attorney Jennae called back immediatly and called me a liar about the conversation I had with Robert Savino and said she never said she contacted our mortgager. I told her I wanted a full refund again and she told me too bad and do whatever I needed to do but I could not get my money back.

They then pulled another $874.50 out of my bank. Every time I called they would put me on hold for up to an hour or just hang up on me. Finially I spoke to an employee Tracey Hunter that the NVP test was denied and I immediatly faxed them and requested my money refunded on /31/11.

I went to the post office on 6/31/11 and faxed a letter overnight requesting my money refunded. The very next day 7/1/11 I called and asked for Jennae McCloud (Client Services Supervisor) and she said she had got our request and it couldn’t be processed until after the holiday July 4th. I told her I was afraid they would keep my money and she said they would not do that.

So one week later July 11th I called about our refund and she said it would take 3 to 4 weeks. When I told her she said it wouldn’t be posted until after the holiday she called me a liar once again and hung up on me.

I’ve called several times since then and told that no one knew anything and Jennae was not available.

Finally today I spoke with her and she said 6 to 8 weeks before I could get my money back. When I started to tell her what she told me previously she hung up on me. These people are scam artists they have my money, I’m behind in my mortgage and have constant late fees. And further more our mortgage company said they finially faxed a power of attorney paper but never tried to negotiate anything about a modification on my behalf.

These people avoid my calls, hang up on me, call me a liar and are very rude. I’m afraid I’ll never see my money and now when looking up complaints against Liberty Credit Law, P.C. I find a ton of complaints against them.

How can I get help. My wife and I are disabled and every dollar is very hard to make for us. I fear I will never get my house payments caught up. And now have lost $2,624.50. I see they have complaints all throughout this country and Canada also. Please advise.

Note:

I would urge you to contact the BBB and file a complaint, along with the Florida Attorney General Office and the New Jersey Attorney General office.

Liberty Credit Law, P.C.   Consumer Complaint
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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’m thankful for this i also was ready to Sign up!!!! what got me is i found them in our N.Y. State and Government listings….thank you and God bless

    Sincerely
      Tricia

  • http://www.facebook.com/profile.php?id=100002169219749 Claudia Zigray

    We were also scammed by this company and are about to loose out house – we were wondering if there is a way to get a lawsuit to snowball against the company by the many people that were coned out of their hard earned money and homes?

    • Randy777smith

      if you contact the get out of debt guy he will give you all the information on all of the agencies to report to to get all of your money back. however they will end up keeping 500 dollars off your money. the consumer epic sports for the state you are in is 1 person to contact. the attorney general for your state is another to contact.plus steve rhodes the get out of debt guy knows all the agencies to contact. if you can find an attorney who will start a law suit and help you go after them for a group of people that they have hurt then contact us when we would gladly join you. we almost lost our home and were very lucky to get everything but the 500 back. I hope things go well for you but you need to follow through with these other agencies that will help you to get your money back.steve rhodes and all the information that he can give you and the information I gave you will definitely help you get the majority of your money. it takes quite a while so I would get started immediately and they will help you to retrieve your money. I wish you the best of luck and let us know how things work for you. also watch what you post on the internet because they will threaten you where is slander and such. defamation of character excetera.

      • Randy777smith

        I meant the consumer ethics board. Using a voice to action on my phone to reply isn’t always acurate in it’s dictation.

  • Ace Lefty

    One of the victims of Summit Legal (another scammer) contacted these folks.  I am going after Summit, and I was able to contact with the victim. He asked me about Liberty Credit Law and I told him to run away from them and to tell them, “Go directly to Jail, Do Not Pass Go, Do not collect any money.”  Victims must contact banks directly and complain to the appropriate authorities.  Loan Modification Fraud is a plague thatmust be wiped out.

  • DD

    This company has scammed me too.  I suggest you call and file a complaint with the Department of Financial Institutions.  There should be one in your State, and you can get the website from the  Attorneys Generals Office.  I have contacted them and they suggested I file a complaint so they are can start a process to investigate them and if so, have them barred if they are not licensed to practice your State as well as try to get your refund.  This company should be shut down. I live in Washington State and I dealt with the same people (Janae, Robert Savino, Tracy Hunter). 

    • Randall

      This is Randal the one who wrote you about Liberty Credit Law scamming me on 5/5/11 out of $2624.50.

      Not to mention all the faxes, over night letters, mortgage late fees, etc.. Causing us a considerable amount of stress as well.

      Then I wrote you and told you about the client services supervisor wanting me to retract my comments that I wrote you.

      She was very upset about me mentioning her name and said it was slander. Telling me she wanted me to post a comment saying that it was all a misunderstanding and that the issue has been resolved. Then and only then she would overnight my check to me.

      She told me to call her after lunch and she would see if I put up the statement saying it was all a misunderstanding. Well, when I wrote you back asking for your help and you posted my comments and she had problems with that and said the comments I made that you posted only made it look worse.

      Then she told me that they turned it over to their legal team and she wouldn’t give me my money. She’d have to wait for the legal team to tell her what to do and then hung up on me.

      Well someone just wrote me from your site and offered up some advice that I’ve already looked into and I just wanted to thank them for writing me. They said they were also scammed in Washington by the exact same people I named in my comments to you.

      I just want to thank you for all of your advice and the person who wrote me with their advice. Extortion, blackmail & scamming people out of their hard earned money is a terrible way to make a living.

      I’d like to see the hammer come down on these people. They belong in prison.

      I’d appreciate any comments from anyone offering advice for me.

      That client services supervisor told my wife woman to woman she would give me our check if I would retract my statement. And said that she had a husband and children like she is an honorable person. What does she do move her family around from state to state? Or are they all a bunch of liars preying on innocent people who are desperate to get help in a downed economy. They literally make me ill and all of them need to be behind bars.

  • DD

    This company has scammed me too.  I suggest you call and file a complaint with the Department of Financial Institutions.  There should be one in your State, and you can get the website from the  Attorneys Generals Office.  I have contacted them and they suggested I file a complaint so they are can start a process to investigate them and if so, have them barred if they are not licensed to practice your State as well as try to get your refund.  This company should be shut down. I live in Washington State and I dealt with the same people (Janae, Robert Savino, Tracy Hunter). 

    • Randall

      This is Randal the one who wrote you about Liberty Credit Law scamming me on 5/5/11 out of $2624.50.

      Not to mention all the faxes, over night letters, mortgage late fees, etc.. Causing us a considerable amount of stress as well.

      Then I wrote you and told you about the client services supervisor wanting me to retract my comments that I wrote you.

      She was very upset about me mentioning her name and said it was slander. Telling me she wanted me to post a comment saying that it was all a misunderstanding and that the issue has been resolved. Then and only then she would overnight my check to me.

      She told me to call her after lunch and she would see if I put up the statement saying it was all a misunderstanding. Well, when I wrote you back asking for your help and you posted my comments and she had problems with that and said the comments I made that you posted only made it look worse.

      Then she told me that they turned it over to their legal team and she wouldn’t give me my money. She’d have to wait for the legal team to tell her what to do and then hung up on me.

      Well someone just wrote me from your site and offered up some advice that I’ve already looked into and I just wanted to thank them for writing me. They said they were also scammed in Washington by the exact same people I named in my comments to you.

      I just want to thank you for all of your advice and the person who wrote me with their advice. Extortion, blackmail & scamming people out of their hard earned money is a terrible way to make a living.

      I’d like to see the hammer come down on these people. They belong in prison.

      I’d appreciate any comments from anyone offering advice for me.

      That client services supervisor told my wife woman to woman she would give me our check if I would retract my statement. And said that she had a husband and children like she is an honorable person. What does she do move her family around from state to state? Or are they all a bunch of liars preying on innocent people who are desperate to get help in a downed economy. They literally make me ill and all of them need to be behind bars.

  • Randal

    You did a scam post on them and they said they would overnight my money if you take down the post. Now that I’ve thought it through after panicing. Sorry about the other questions. But could you email them or call them and tell them that as soon as I get the check and you have confirmed it with me that you will take down the post please?

    Otherwise they wont send my money.

    The only way I’ll get my money is if you tell them you will retract as soon as the money is in my hands. Actually they said they won’t give me the money until you take down this blog on them. Can you please contact them and help me get my money back? PLEASE? I’m poor and need that money to catch up on my mortgage.Client Services Supervisor is Jennae McCloud @ 1-201-546-5443 email: [email protected]

    They probably wouldn’t have ever helped me until they saw this blog. And only you can help me get it back fast now.

    • http://GetOutOfDebt.org Steve Rhode

      I’m more than happy to add to the complaint you filed regarding the service you received.

      And this could have been a great follow-up that they refunded all your money and did the right thing for you but they picked a different direction and certainly made things worse by extorting you before giving you the refund they apparently admit they owe you.

      This issue is between you and them and I’m not getting dragged in the middle here.

      Either you need to post a follow-up comment that your filed report was all a lie, in which case they may go after you for spreading false information or they need to post a follow-up comment that they fully refunded your money, promptly and with a smile.

      Blackmailing you to remove a post you have no control over is a ridiculously stupid thing for them to do.

      All of this doesn’t remove the post, just makes it longer.

      Is it going to end on a good note or not? The ball is in their court to overnight you the refund they admit owing you without conditions.

      • Kathy

        I am very glad to see this post……it saved me $3,000.  I was on the phone with them all afternoon Tues. and was ready to get the ball rolling.  I was a paralegal and I asked all the right questions and I was given all the right answers.  This just makes me sick to my stomach.  With all the financial problems that people are dealing with and then you have jackasses like this that just want to put the knife in and turn it!  Thanks for saving me.

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