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Real Estate Law Center, Boldly Ridiculous.

A reader just forward to me a mailer he received from Real Estate law Center PC. They claim to be located at 16209 Victory Blvd, #102, Lake Balboa, CA 92707.

Apparently the Real Estate Law Center is not familiar that the Attorney General of California recently filed suit against attorneys using similar deceptive marketing. Those attorneys had their law offices raided and assets seized.

“Yea, let’s jump on that program and market the hell out of it.”

If you want to learn more about the raids and assets seizures here is the link to all the mass joinder information.

I started with a street view of the office. Only one problem, the address they list does not apparently exist. They say they are located in zip code 92707 which is Lake Balboa, California, but 92707 is in Santa Ana, California. That’s the same area where all the other bogus Form 1012-R mailers came from that the Attorney General took action against.

If you get one of these mailers, RUN AWAY! I can’t believe people are still sending them out.

Real Estate Law Center, Boldly Ridiculous.

The tipster (send in your tips here) wanted to share this information as well:

Called regarding a Multi Party Lawsuit against Wells Fargo on Real Estate Loans. Was told they could cut my Mortage in half and change my interest rate to 2% in addition to winning up to 40,000. He then added that I needed to send him 6,000 to make this happen. They are located at 16209 Victory Blvd Suite 2 Lake Balboa, CA. Phone 657 310.5204 and reported his office was in Irvine??

My advice to anyone getting this pitch or mailer from Real Estate Law Center is to not do anything with it but report it to me and the California Bar. There are so many red flags here that it doesn’t even pass a casual initial inspection.

Real Estate Law Center Website

The Real Estate Center website is at lenderlawlitigation.com. The website was registered on April 28, 2011 by:

Balancedlegalgroup.com
3200 Wilshire blvd
South Tower 1100
Los Angeles, California 90010

Yervand Arzakanyan [email protected]

Real Estate Law Center, PC was registered as a California corporation on August 18, 2011.

The street address on their website appears to really be:

Real Estate Law Center
Telephone: 866 946-5342
Fax: 888-721-7322
Email: [email protected]

16209 Victory Blvd., Suite 102
Lake Balboa, California 91406

This appears to be a mailbox drop at A2Z Mailbox

Real Estate Law Center, Boldly Ridiculous.

They also list another address:

695 South Vermont, Suite 1100
Los Angeles, CA 90005

But the only company I could find at that address is International Recruiting Group. – Source

The attorneys associated with Real Estate Law Center on their site are: – Source

ADLORE V. CLARAMBEAU, ESQ.
CHAD T-W PRATT, ESQ.

According to California Bar records the two attorneys practice in a different place.

Law Office of Adlore Clarambeau
427 E 17th St # F-259
Costa Mesa, CA 92627

Clarambeau had disciplinary charges filed against him on 8-18-2001 and has been recently not allowed to practice law.

9/21/2010 – Active
9/1/2010 – Not Eligible To Practice Law
7/14/2008 – Active
7/1/2008 – Not Eligible To Practice Law
12/12/1994 – Admitted to The State Bar of California

Chad Pratt is recorded as practicing at:

30 N Raymond Ave #PH
Pasadena, CA 91103

Real Estate Law Center, Boldly Ridiculous.
Get Out of Debt Guy – Twitter, G+, Facebook

Update April 12, 2013

As per the suggestion from the commenter Reason I am posting these two items here in the post for people to find.

Judgment for creditors. Consumers get nothing.

Real Estate Law Center, Boldly Ridiculous.

Real Estate Law Center, Boldly Ridiculous.

Real Estate Law Center, Boldly Ridiculous. 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.
  • truthseeker

    If anyone has received a mailer from them or is currently a victim or a past victim, please report it to the California State Bar right away. This is a major scam operating in the identical way that Kramer and Kaslow was operated. They must be shut down in order for them to not be able to take any more desperate people’s money. There mailer is not even a legal form of advertising approved by the bar, in fact the California state bar has issued a warning to ceast and desist with these deceptive marketing mailers. Please do not believe anyone with positive reviews, they are working for the company.

  • lmitchme

    We just were contacted by Real Estate Law Center PC and signed a contract for $5000 retained and $1200 a month until the issue of our back payments and interest rate in resolved. We have NOT paid them any money as of yet – they are to pull out half out of our bank account on Friday. Are you telling us that they are a fraud, not to be trusted and than we should get out of this immediately (it has only been 12 hours since we started all this). They are supposed to call us tomorrow.

  • Reason

    Seriously considering enlisting the help of Real Estate Law Center PC (RELC)? Please watch this video: http://www.youtube.com/watch?v=1Cjqe_tPZoE, and see if anything sounds familiar. Then review this very recent (April 2013) court decision on RELC mass tort case against CountryWide/BofA – “[Plaintiff's] shall take nothing on their complaint against said defendants.”:
    https://securecdn.disqus.com/uploads/mediaembed/images/471/9670/original.jpg — this is the only completed case found since RELC formed in CA in Aug. 2011.

  • Piggybankblog

    Hey Steve!

    Oh yeah! There is no doubt in my mind this might be the same exact potential blueprint that we had seen before with the Kramer & Kaslow mailer scandal. Can you imagine what it must have felt like to be a homeowner responding to one of these mailers rom Kramer & Kaslo by spending thousands upon thousands of dollars just to hear the California Attorney General all over the news with the below link?

    Link: http://www.youtube.com/watch?feature=player_embedded&v=1Cjqe_tPZoE

    Well let’s only hope that nobody who responds to this mailer you have listed above is ever able to answer this question.

    I am willing to bet that there is a mortgage broker behind this whole thing somewhere. (Unconfirmed) However — I do want to emphasize “some mortgage brokers” are doing this. That is because I do not think “all mortgage brokers” are doing this. It is neither to imply that the profession is sleazy profession or anything like that. For example — I know a lot of honest and decent mortgage brokers who have huge amounts of integrity — in which they are doing nothing like this.

    I think these law firms sending out mailers to desperate homeowners like this is as tacky as a hospital sending out a mailer that you can “Get Two Hearts For The Price Of One” if you go to their hospital (shaking my head in disgust).

    I have even written an article on what my investigation results showed how it usually works with these types of places. I titled the article: “What Might Have Some Of The Mortgage Brokers Done Once The Housing Market Crashed?”

    Piggybankblog Article: http://piggybankblog.com/2012/08/05/what-might-have-some-of-the-real-estate-brokers-done-once-the-housing-market-crashed/

    That is why I think I will just leave this comment off where I left the article off with the following Quotes below.

    Quote:
    “So Remember! The next time you receive one of those mailers in the mailbox you must realize that you have been chosen by the “marketer” to be “marketed” to for a reason. This is because “Wherever there is a carcass, there the vultures will gather.” – (Matthew 24:28) So beware of those “who come to you in sheep’s clothing, but inwardly are ravenous wolves” — (Matthew 7:15)”

    Quote:
    “See I have warned you! Therefore – “If anyone is to go into captivity, into captivity he will go. – (Rev 13:10)”

    I SAY BUYER BEWARE!

    Respectfully,

    John Wright
    Piggybankblog.com

  • Tristan

    Hi I just want to comment on RELC I sign a retainer with them and two days later after I really tough about it I call and told them I did not want to do it for various reasons first you talk to a salesman “like” and after you have signed then a “lawyer” calls and basically disclaimes everything that they tell you in the first place. well to make the story short hey want to make me legally responsible for those $5,000 when they did not even do nothing yet, because I told them I quit Right after the phone call with the “lawyer”wich by the way did not have a lawyer vocabulary (articulated) some how I did not completely trusted so I went ahead and change my checking account because I had provided them with my accnt # on the 23 and they were supposed to charge me on the 30TH. well after I ‘ve told them I did not wanted to do this they tried to withdraw the first $1000 but I changed the acct. today I received a letter from them basically intimidating me, well than you for your attention and frankly I dont Know whats going to happen but Im not paying THem.

  • Ronny

    Actually i just got a balance reduction… your basically bashing a law firm that got me a 338k balance reduction and a 3% fixed interest for the life of the loan, and saved my property in the meantime….. People will believe anything nowadays.

    • http://GetOutOfDebt.org Steve Rhode

      People will believe anything.

      Please post an image of the letter showing the balance reduction and fixed interest rate so all can see it.

    • http://GetOutOfDebt.org Steve Rhode

      Ronny,

      I’ve got to ask how you know K_Lalayan? Small world, huh?

    • Sick of the BS

      Actually, people don’t believe anything these days – especially not from people like you who post nothing but hot air backed up with nothing. What’s the case number? I’d certainly like to look up the case and see what the results say on pacer or justia?? But you can’t provide this can you? Maybe it’s because you work for the firm? Gee, I wonder. Why don’t you get a real job and make an honest living instead of sucking people dry with your BS??

    • http://GetOutOfDebt.org Steve Rhode

      Is there a particular reason you keep posting positive comments under different names?

  • mrmerc1

    Great exposé of these dirtbags. Common thieves are so easy to spot…Google search has helped would be victims spot the maggots in a few click

  • Michelle

    I WAS RECENTLY GIVEN THIS LAW CENTER’S INFO AND HAVE BEEN CORRESPONDING WITH BRIAN STARKS. I DECIDED TO INVESTIGATE A FEW THINGS TODAY BEFORE I MADE THE DECISION TO EMPLOY THEM FOR ASSISTANCE. I DESPERATELY NEED HELP AND GUIDANCE AND IT IS SO PATHETIC TO READ ABOUT ANYONE PLAYING AROUND WITH OTHER’S MONEY AND PROPERTY. I DON’T KNOW WHAT TO DO.

  • Very worried now

    I just interviewed with Real Estate Law Center a day ago, before I saw these postings. I went to the address at their office on Vermont Ave, Suite 1100 near Wilshire in Los Angeles. It looked like a legitimate legal office though they’re not listed on the building marquis and the building was a little older. It was a very large office with conference rooms, etc. but a lot of people seemed to be around, most didn’t look like high end attorneys but more like paper pushers. The attorneys I met with were really nice but I did get a hard sell – so hard that by the time I left, I’d signed the retainer and paid 1/2 of it. We have been desperately looking for an attorney and for a year I can’t find any other options so we signed up. I will keep you updated about the results and would love to hear from anyone who has any info or advice. Is it too late to get out? Are we certain it is a scam? They promised they had won cases and had gotten results or Chad Pratt would have had complaints by now on the bar and claimed they had a A+ rating on BBB. How is that if they are scams? Please reply if any info. I will also keep you posted here.

    • Reason

      Do you have any update for us? One issue with these sites is nobody on either side follows up many months down the line. Anyone expecting a fix in 6 months in a lawsuit of this type does not have reasonable expectations, and they seem to be the only ones panicking and screaming ‘scam’, so it makes it tough.

      • http://GetOutOfDebt.org Steve Rhode
      • Reason

        Thanks Steve, it will help a lot of folks to have all those posts in one place. I endeavor to help provide you and your site visitors with useful information going forward.

      • HERE IS A REASON

        No one is ‘panicking and screaming’ scam – they are mostly intelligent and thoughtful people doing research in order to determine whether or not to throw away money they’ve worked hard for and feed it to a shark tank. There are ways to evaluate RELC services besides waiting for end results. I happen to know the person who posted what you responded to – when one pays $1500 a month on top of a $5000 retainer and the firm doesn’t even have it together enough to properly write their suit, let alone file it after several months, one doesn’t have to “expect a fix in 6 months’ in order to determine it’s legitimacy. At the very least, this firm is incompetent – at the worst, it is a ‘scam’ as they are filing suits ‘knowing’ full well they won’t get much in terms of results. There have been countless suits filed against banks and so far, only one class action has ever won a whopping $216 per person and a worthless promise to modify after numerous clauses were snuck in like the NPV requiring banks to modify only if it was profitable, etc. No matter how you slice this pie, this firm doesn’t add up which can be verified by inquiring about their filed cases online and confirming their lack of competence in not properly serving defendants, etc. Call it what you want but to mislead people into believing they can obtain a fresh dangling carrot while knowing full well the carrot is rotten is a scam in most people’s definition of the word.

      • Reason

        I get that, I do, and I can completely appreciate everything you wrote here, and certainly the work Steve is doing with this site is highly commendable and helpful (thank you!!). I also apologize to this group for my choice of words (“panicking and screaming”) – I wrote that when I was having some of those feelings myself.
        I’m one who’s been on the victim-side of a real estate scam more than once, in addition to what these banks have done. I don’t ever expect to see a super hero cape on any attorney, no matter how much they tout their services or abilities or flash their bar ratings, but I do have faith there are people out there (lawyers included) who really do want to help, and if they (RELC) play their cards right and do the right thing here (and I can imagine they’re learning a LOT as they go along, which can account for some perceived lack of competence), these guys could truly perform a service for a whole lot of people who can genuinely use this sort of help, and there are a LOT of us. That would not only make them a fortune (far more than any scam ever could), but also serve to settle the hearts and minds of many who live afraid today of how they’ll keep their homes tomorrow.
        Part of the issue is that we really do want super heroes at a time like this, and we maybe forget there is a big gray area between scammers and super heros. From what I’ve seen of his attempts to address some of this commentary, Chad Pratt appears to be somewhere in that gray area and legitimately trying to do the right thing, taking the time to share his perspective on various sites and address people’s concerns including here, and literally putting his 20 year career openly on the line. No matter how competent and established he is as an attorney, this must be a huge learning curve for any organization, and RELC is not much more than 1 1/2 years old.
        Having said all this – I dont believe I would ever sign up for a $5K retainer plus $1.5K a month for something like this… UNLESS I was suing as an individual, which may be your friend’s case (?)… there may be some distinctions and details that all of us on these threads could add that might help us all to be able to make more informed decisions. Much of the detail is missing in a lot of the posts because they’re often emotionally charged (very understandably so).
        I, for one, having scoured the Internet and Steve’s site for any and all information I could find on RELC and TAFCR (my case manager was from there), having seen all the related scams going on out there, and having gone back and forth in my own mind several times, I ended up signing up just yesterday, putting up the full $5K retainer and the $29.95 monthly fee for the duration. I expect this may take up to 18 months or maybe even longer, though of course I’d prefer it not to. I’m committed over the long haul to see this through and to support RELC when they need content or information from me, and to leave them alone entirely to do their jobs (and to learn new things and even make a mistake or two) when they are not asking for my input. That is either completely and utterly gullible – or – I have not yet lost all faith in my fellow man and our American legal system. Time will tell.
        I’ll also commit to coming to this site once a month (or more if special updates warrant it) to provide any additional information on progress and to give general status updates. Its worth my $5K to know (IF I were to lose it in a scam) that I was truly serving this group of people with something very important to their peace of mind, if nothing else ever comes of it… like you, I pray that is not the case. My heart goes out to all who are challenged with this whole issue… it stinks, its ugly and it sometimes hurts a lot. I do hope to help this group and whoever else is in this predicament in which we presently find ourselves with these toxic mortgages.
        I look forward to returning here, even if it is to say, “I’ve heard nothing new this month.” And like the rest of you, I’ll hope that changes over time.

      • http://GetOutOfDebt.org Steve Rhode

        You might be interested in reading “Is The Advocacy for Consumer Rights and Chad Pratt a Scam? – Will” – http://getoutofdebt.org/51516/is-the-advocacy-for-consumer-rights-and-chad-pratt-a-scam-will

  • http://iwritelivelove.blogspot.com/ Jaydvi

    I ended up here trying to find if the letter I got in the mail today is genuine.  Well, this one comes from 30 N Raymond Avenue, Pasadena, CA 91130 but otherwise except for the state everything else is identical.  Now I am no fan of Wells Fargo after reading all the bad things they have done to homeowners, I have been their customer for more than 10 years, and there is no case that I can build against them.  Thanks for pointing out the scam.

  • Emma & Gene

    I did Receive a notice in the mail and after reviewing this company, My husband and I decided to call them.  One of my Neighbors was scammed by a fly by night loan mod company last year so I cringed when the told me about the $5,000 Dollar Retainer Fee. Our home loan is really bad though, so we decided to meet the Lawyers. My husband and I went  to their office in L.A. and Spoke with a Susan Murphy who was Extremely knowledgeable. Right away she picked out a contradiction between our truth and lending statement and our mortgage statement.  We decided to go forward with the claim against the bank.  I feel so scammed by Bank of America. We went inside the Bank a dealt with a broker directly when we bought this Home 7 years ago and I just don’t see any other recourse to get a better loan. My husband has been calling them for the last year and we just can’t get any real answers from them. So far though we are very happy with our attorney and I will leave an update of our dealings with them.

    • Very curious

      Dear Emma & Gene,
      Are you in the mass joinder law suit or the individual? Would you please provide an update?
      Thanks

  • Swr0669

    Thanks Steve!  I got a solicitation and a copy of the first page of a “First Amended Complaint For Damages & Equitable Relief” from these folks with an adress of 30 N. Raymond Ave. Penthouse, pasadena, Ca  I called, left a message, got a call back from a perported paralegal who said he would email me info.  I have heard nothing since.  After reading all your info. and comments, I stand forwarned.
    It seems shysters rule these days, (all the way to the top of the steaming pile of crap).

    • Tony Moreno

      YOU DID NOT GET A CALL BACK? SO THEY MUST BE A SCAM? THESE PEOPLE GOT MY LOAN REDUCED BY 52,OOO DOLLARS..

      • http://GetOutOfDebt.org Steve Rhode

        How did they get your loan reduced and how much did they charge?

      • Reason

        Yes Tony, please come back and share some factual data and your personal experiences. There seems to be a growing momentum of people coming to Steve’s site here asking about using RELC, and naturally there is a lot of fear these days for everyday people to know how best to proceed. I, too, just signed up for the service yesterday amidst a lot of fear, but I’m hoping and trusting there still remain some people out there willing to help fight for justice in all this, given the often severe toxicity of many of our mortgages. Share a bit of your success for us all to bring some light to all this.

      • SCRUWYUMORENO

        Mr. Moreno, I’m sorry to say but based upon personal experience with RELC, I believe you work for the firm or are friends with someone and that you are FULL OF IT. Post your case # if not. Until then, cut the CRAP. I personally paid them $5k and more for an individual suit and I am strongly convinced that they are a scam. I WAS BURNED. I have personal experience and saw first hand how it works. They have won ONE CASE. It is their token case that they tout to attract people. However, they promised me they had won several cases but lied (many times) and could not send me more than this one. So I contacted my brother who RESEARCHED. And after so many red flags that are too long to list here, and after time and experience, everything added up and led to the final outcome – SCAM WAS MY EXPERIENCE AND IS MY OPINION. I’ve been to their offices and watched them work – here’s what we found. They take money in large volumes and file a suit – so you think they have expectations of winning? Do you think they CARE? It’s extremely lucrative to garner thousands of people – they have professional mailers sent out in mass volume – and agents they pay – they are slick and use Chad Pratt’s record to attract people – then file canned lawsuits en mass that they can pay a clerk to input meanwhile generating mass dollar volume. Some of the same players from Kaslow are lurking – that’s why they have different offices. It’s only a matter of time before enough people will catch on. But they will be gone by then and so will millions of dollars of people’s money. By the time the bar and AG shut them down, it will be too late – so they may spend 18 months in the can. So what? If soon to be out to enjoy their stashed millions? Meanwhile they or their employees who input the data and are clueless come on this site and blabber on about how they got all these great results to keep people hoping. But oddly none of these idiots can post a case number – which ironically they would HAVE a case number because the ONLY people that could claim such BS would be those who have won an individual suit because none of the mass suits have even settled yet – except the BofA failure and we all know those results! So a little common sense is PROOF right there that these Morenos of the site are FULL OF CRAP. Notice they never come back with a case number??? And like Steve says, and he would know, THEY ARE THE SAME PERSON POSTING OR KNOW EACH OTHER!! Tell Chad Pratt if he was really smart, he would’ve refunded people he burned. But I’m glad he burned us because the gig is now up and it’s worth me losing my money just so I can warn other people. That in itself is worth every dollar because THIS SCAM HAS TO STOP AGAINST PEOPLE WHO NEED HELP. SHAME ON YOU PEOPLE!!! You may think karma isn’t real but you are in for some big surprises.

  • Mrs. G

    Is Chad Pratt also associated with Litigation Compliance Law Center at 3200 Wilshire Blvd. Ste 11181 Los Angeles, Ca 90010? Phone 858-213-6993. We were called by Sharon Brown.

  • Mrs. G

    Real Estate Law Center PC is now found at 1820 Easat Garry Ave #214 Santa Ana, Ca 92705 Phone 949-777-5119. We were just contacted by [email protected]. He said the lead attorney was Chad Pratt, who is listed on the web site. Also listed is Stuart Simone. The website looks like so many that someone spent about $100 to set up, a cookie cutter type site. Surprisingly, they do list a brick and mortor address in an industrial park. I am leary of doing business with these people.

  • Eat Shit

    The Law Offices of Art Hoomirantana aka the realestatelawcenter.org is law office in Pasadena, California which opened in 2009 and appears thrown together. Half of the people work behind a door which says bankofamericaclassaction.com or bankofamericaclassaction.org

    There is something very fishy about this place -Lance Cutsworth (who lost his CA DRE license and took 1 $10K commission from Kramer & Kaslow in the Jay Bird LLC matter) is a daily presence at this firm. He has no official title. He apparently goes around to realtors looking for business and takes conference calls with distressed homeowners over whether they have a “case” against their lender. These calls are through a service where homeowners pay to see if they have a case against their lender. I believe it is the Homeowner Defense Network which is hooked in with Brett Robbins, “Wasatch Ttrial Attorneys” and Fransen & Molinari. Apparently, homeowners pay a fee to have the loan documents reviewed and to talk to an “expert” on predatory lending. Bob Goldman (the “managing director” who is an out of state attorney and shares an office with Art Hoomirantana) is also on these calls. This is how they bring some of their business (suing lenders). Bob Goldman is the voice of ART HOOMIRANTANA (who was a very junior attorney when the “firm” opened).

    There are also Chinese realtors and Thai realtors who come around looking for their “pay checks.” They apparently meet with their clients in the offices and are paid a commission for bring in clients.

    The firm’s main business is to sue lenders on behalf of homeowners. Homeowners are advised not to pay their mortgage and pay a $5000 “down payment” and $2000 per month to stay in the litigation. The firm records a lis pendens against the property. None of the lawsuits filed by the firm have been successful.

    All of the cases have failed as matter of law or ended in bankruptcy. (Vinal v. Wells Fargo Bank, N.A, Case No. 3:11-CV-03242-EDL [Motion to Defendant’s Motion to Dismiss granted-plaintiff cannot show that she was an intended beneficiary of the FDIC guidelines and HAMP guidelines; all plaintiffs’ claims fails as a matter of law.])

    The ones who are touted as successes are cases where procedural machinations have delayed the sale of property, i.e., BERNARD QUINTEROS, a California lawsuit which ended in a Chapter 13 bankruptcy where the homeowner cannot afford the plan home anyway and CHRISTINA CABRAL, state lawsuit removed to federal court, plaintiff filed Chapter 7 bankruptcy.

    Anyway, this is apparently just another firm engaging in running and capping and filing bogus lawsuits.

    • Brett R. as President The HDN

      The HomeowerDefense Netowrk (HDN) is not associated with any of the people, programs or law firms you mentioned above, nor would we want to be if they are not ethical business people with a proven track record of success. Can they show documentation showing success stories? If not, even if they have good intentions, I would be wary. Nonetheless, I condemn marketing materials that are deceiving, such as some mailers that I have seen in regards to law suits and pre-detected fraud. 

      On a side note, there is a national TV ad that recently surfaced under the same company name as HDN, but has not affiliation whatsoever. I have never seen the ad myself, but can assume they are a marketing company of some sorts. Is this the source of confusion perhaps? Let’s clarify this so we can resolve it. HDN has been in business since 2008 and assisted thousands of customers without one single outstanding filed complaint, which means customer service is a high priority.  I am wondering where your assumptions came from? We have worked hard to build our national reputation and to find the best companies to associate with that also have high integrity and an A Rating, which has been no easy task over the years. Unfortunately, the vast majority of companies we have evaluated do not meet this criteria. Our prequalification is also very different from what you mentioned above. We do not take fees to have documents reviewed and my suggestion is always to avoid litigation if possible because it puts you up against well funded bank attorneys and attorneys in general are costly without guarantees. In fact, we have a processing center contact the Lender for some customers as a courtesy to find out what loan workout options are available prior to moving forward so all parties are on the same page and can be confident in a successful outcome. That being said, I prefer and recommend a performance base program, where you do not pay for the modification service unless you receive an approval from the Lender. This is a compliant and also ethical way to operate. The problem is this type of program is rare because if the company does not get the job done they are not compensated, so you have to be confident and experienced, where most companies are not even with good intentions. This is the most popular program that we offer, however is not currently available in CA or WV.I hope this helps clarify things. Let me know if you have any questions. 

      • http://GetOutOfDebt.org Steve Rhode

        I have seen the ad and it’s not good. In fact it was so alarming I taped it to write about. I suspect this ad is going to generate a number of complaints and because of the same name it’s going to cause you some grief as well.

        The ad is for a lead generator at 1-800-276-5312 and also goes by HDN. It’s a deceptive ad that claims callers will be able to get their mortgage reduced to 2% fixed for life.

      • Brett R. as President The HDN

        My company is a registered and licensed company in CA, so I could take legal action if they operate here in CA. I suppose there is not much I can do in other states to prevent them from operating. Have you tried calling them to find out more about them? I have gotten a couple people that called as a result of the confusion. One situation was very strange; apparently the # on the ad was incorrect and resulted in a FL restaurant receiving nearly 40 phone calls. Other than that I have not heard of any major issues.

        Any service provider that guarantees an outcome should be red flagged, as its ultimately up the Lender to decide and its based on information that is provided by the borrower. Unfortunatley there are countless misconcenptions about the government program HAMP. The goal of the program is to get your payment down to 31% of household gross monthly income. As such, not everyone is gauranteed a 2% interest rate. The will reduce your interest to as low as 2%, which is a difference. Other options include extending the term, forbearance and principal reduction. We take a consultative approach. It’s important to set the proper expectations. Some folks simply got into a home they cannot afford. Also, sometimes the only way to stay in the home is a higher payment.

  • RealEstateLawCenter

    The three major ethical issues with Kramer and Kaslow were:

    Unauthorized Practice of Law. This is where potential clients never spoke to any attorney before being retained. Every client retained by our firm must speak to an attorney in advance of retention. We do not allow non attorneys to give legal advice.Misleading Advertisement. With regards to the Kramer and Kaslow problems, marketing pieces were routinely sent out stating that people could get their house “free and clear” or with words “legal settlement” in it. As stated above, we adhere to California Bar guidelines.  We avoid misleading phrases and we include the words “legal advertisement” to appear on the envelope and on the first page of our marketing pieces. Let me emphasize, our marketing pieces were reviewed by the California Bar already.Split fees with non attorneys. We only pay other law firms according to Code 2-200 of the California Rule of Professional Conduct. Any non attorneys can only be paid for their services and not as a percentage of the retainer. Kramer and Kaslow on the other hand had an ambassador page on their website and openly flaunted splitting fees with non attorneys.

    Some of Mr. Rhode’s followers have commented stating that we are a “scam”. According to Mirriam Webster online, a scam is defined as a fraudulent or deceptive act or operation. We are filing mass lawsuits on behalf of homeowners against lenders because of predatory lending, fraud and other causes of action. Potential outcomes are principal reduction, interest rate reduction, and monetary damages among others.  There are no guarantees as to the outcome however we believe in the merits of our cases. Each and every of our clients must go through a recorded compliance call making sure they understand every aspect of what they are retaining our firm to do. This is neither a fraudulent nor a deceptive act. As such, we ask, what scam have we perpetrated in? Our suits are legitimate well meant means for homeowners to be able to address the wrongdoings by the big banks.

    We invite Mr. Rhode to visit our offices and meet directly with us. We understand Mr. Rhode wishes to help those in need and we admire him for it. We only ask that he get all the facts before rendering any conclusions. Should he wish to contact me, he can do so at [email protected]

    Sincerely,

    Chad T-W Pratt
    Attorney at Law

  • RealEstateLawCenter

    My name is Chad Pratt and I am the lead attorney for Real Estate Law Center, PC. I have over 20 years of experience as a litigating attorney and have never been disciplined by the State Bar of California. I work relentlessly for my clients. I wish to address Mr. Rhodes’ contentions in his blog dated September 29, 2011. http://getoutofdebt.org/31285/real-estate-law-center-boldly-ridiculous

    Our address. The firm’s main address is 30 North Raymond Avenue, Penthouse Suite, Pasadena, CA 91103. It is a working office where I work. We maintain other addresses to meet with clients and for administration as well.
    Attorneys. I am the lead attorney and we have a number of associate attorneys as wells as of counsel attorneys. Adlore Clarambeau is not a member of our firm nor is he associated with our firm or litigations.
    Mr. Rhode’s contention that “there are so many red flags here that it doesn’t even pass a casual initial inspection”.

    Mailer. The mailer in question has been inspected by the California Bar which requested only 3 changes. They asked to remove “final notice”, the heading “Multi Party Lawsuit” and “Legal Notice” on the envelope. Other than these changes the California Bar on FULL INSPECTION found the mailer acceptable. To address a consumer statement on October 19, 2011 at http://getoutofdebt.org/31253/real-estate-law-center-pc-scam-report-10-11-2011  regarding the receipt of 1012 Forms and another consumer statement on November 10, 2011 at http://getoutofdebt.org/32159/real-estate-law-center-scam-report-11-10-2011 regarding the receipt of “Legal Notice-personal and confidential” mailer, an “Express Pak Service” that says “registered certified document”, we already implemented the changes, if anyone still continues to receive a mailer with these words, I ask that you please report to me immediately. As much as we believe Mr. Rhode’s intention is to help homeowners, we with all due respect must adhere to the governing attorneys of the California Bar who are nominated to their posts to oversee attorneys and protect the public.

    Mr. Rhode’s contention that “Real Estate Law Center is not familiar that the Attorney General of California recently filed a suit against attorneys using similar deceptive marketing” and “Those attorneys had their law offices raided and assets seized” is an attempt to discredit the legal service we provide and is potentially libelous. We are quite aware of the Kramer and Kaslow debacle. We as attorneys have taken great care and research to avoid the same mistakes. We do not appreciate being lumped in with them.

  • RealEstateLawCenter

    My name is Chad Pratt and I am the lead attorney for Real Estate Law Center, PC. I have over 20 years of experience as a litigating attorney and have never been disciplined by the State Bar of California. I work relentlessly for my clients. I wish to address Mr. Rhodes’ contentions in his blog dated September 29, 2011. http://getoutofdebt.org/31285/real-estate-law-center-boldly-ridiculous

    Our address. The firm’s main address is 30 North Raymond Avenue, Penthouse Suite, Pasadena, CA 91103. It is a working office where I work. We maintain other addresses to meet with clients and for administration as well.
    Attorneys. I am the lead attorney and we have a number of associate attorneys as wells as of counsel attorneys. Adlore Clarambeau is not a member of our firm nor is he associated with our firm or litigations.
    Mr. Rhode’s contention that “there are so many red flags here that it doesn’t even pass a casual initial inspection”.

    Mailer. The mailer in question has been inspected by the California Bar which requested only 3 changes. They asked to remove “final notice”, the heading “Multi Party Lawsuit” and “Legal Notice” on the envelope. Other than these changes the California Bar on FULL INSPECTION found the mailer acceptable. To address a consumer statement on October 19, 2011 at http://getoutofdebt.org/31253/real-estate-law-center-pc-scam-report-10-11-2011  regarding the receipt of 1012 Forms and another consumer statement on November 10, 2011 at http://getoutofdebt.org/32159/real-estate-law-center-scam-report-11-10-2011 regarding the receipt of “Legal Notice-personal and confidential” mailer, an “Express Pak Service” that says “registered certified document”, we already implemented the changes, if anyone still continues to receive a mailer with these words, I ask that you please report to me immediately. As much as we believe Mr. Rhode’s intention is to help homeowners, we with all due respect must adhere to the governing attorneys of the California Bar who are nominated to their posts to oversee attorneys and protect the public.

    Mr. Rhode’s contention that “Real Estate Law Center is not familiar that the Attorney General of California recently filed a suit against attorneys using similar deceptive marketing” and “Those attorneys had their law offices raided and assets seized” is an attempt to discredit the legal service we provide and is potentially libelous. We are quite aware of the Kramer and Kaslow debacle. We as attorneys have taken great care and research to avoid the same mistakes. We do not appreciate being lumped in with them.

    The three major ethical issues with Kramer and Kaslow were:

    Unauthorized Practice of Law. This is where potential clients never spoke to any attorney before being retained. Every client retained by our firm must speak to an attorney in advance of retention. We do not allow non attorneys to give legal advice.
    Misleading Advertisement. With regards to the Kramer and Kaslow problems, marketing pieces were routinely sent out stating that people could get their house “free and clear” or with words “legal settlement” in it. As stated above, we adhere to California Bar guidelines.  We avoid misleading phrases and we include the words “legal advertisement” to appear on the envelope and on the first page of our marketing pieces. Let me emphasize, our marketing pieces were reviewed by the California Bar already.
    Split fees with non attorneys. We only pay other law firms according to Code 2-200 of the California Rule of Professional Conduct. Any non attorneys can only be paid for their services and not as a percentage of the retainer. Kramer and Kaslow on the other hand had an ambassador page on their website and openly flaunted splitting fees with non attorneys.

    Some of Mr. Rhode’s followers have commented stating that we are a “scam”. According to Mirriam Webster online, a scam is defined as a fraudulent or deceptive act or operation. We are filing mass lawsuits on behalf of homeowners against lenders because of predatory lending, fraud and other causes of action. Potential outcomes are principal reduction, interest rate reduction, and monetary damages among others.  There are no guarantees as to the outcome however we believe in the merits of our cases. Each and every of our clients must go through a recorded compliance call making sure they understand every aspect of what they are retaining our firm to do. This is neither a fraudulent nor a deceptive act. As such, we ask, what scam have we perpetrated in? Our suits are legitimate well meant means for homeowners to be able to address the wrongdoings by the big banks.

    We invite Mr. Rhode to visit our offices and meet directly with us. We understand Mr. Rhode wishes to help those in need and we admire him for it. We only ask that he get all the facts before rendering any conclusions. Should he wish to contact me, he can do so at [email protected].

    Sincerely,

    Chad T-W Pratt

    Attorney at Law

    • http://GetOutOfDebt.org Steve Rhode

      Reader just sent in attached mailer they received. The mailer came with a cover page from a case filed by Real Estate Law Center. Can you give us an update on the case BC463386 and which lender it is against?

      Don’t you think the claims made in the current mailer attached are very similar to the discredited Form 1012 mailer that was sent out before?

  • RealEstateLawCenter

    My name is Chad Pratt and I am the lead attorney for Real Estate Law Center, PC. I have over 20 years of experience as a litigating attorney and have never been disciplined by the State Bar of California. I work relentlessly for my clients. I wish to address Mr. Rhodes’ contentions in his blog dated September 29, 2011. http://getoutofdebt.org/31285/real-estate-law-center-boldly-ridiculous

    Our address. The firm’s main address is 30 North Raymond Avenue, Penthouse Suite, Pasadena, CA 91103. It is a working office where I work. We maintain other addresses to meet with clients and for administration as well.
    Attorneys. I am the lead attorney and we have a number of associate attorneys as wells as of counsel attorneys. Adlore Clarambeau is not a member of our firm nor is he associated with our firm or litigations.
    Mr. Rhode’s contention that “there are so many red flags here that it doesn’t even pass a casual initial inspection”.

    Mailer. The mailer in question has been inspected by the California Bar which requested only 3 changes. They asked to remove “final notice”, the heading “Multi Party Lawsuit” and “Legal Notice” on the envelope. Other than these changes the California Bar on FULL INSPECTION found the mailer acceptable. To address a consumer statement on October 19, 2011 at http://getoutofdebt.org/31253/real-estate-law-center-pc-scam-report-10-11-2011  regarding the receipt of 1012 Forms and another consumer statement on November 10, 2011 at http://getoutofdebt.org/32159/real-estate-law-center-scam-report-11-10-2011 regarding the receipt of “Legal Notice-personal and confidential” mailer, an “Express Pak Service” that says “registered certified document”, we already implemented the changes, if anyone still continues to receive a mailer with these words, I ask that you please report to me immediately. As much as we believe Mr. Rhode’s intention is to help homeowners, we with all due respect must adhere to the governing attorneys of the California Bar who are nominated to their posts to oversee attorneys and protect the public.

    Mr. Rhode’s contention that “Real Estate Law Center is not familiar that the Attorney General of California recently filed a suit against attorneys using similar deceptive marketing” and “Those attorneys had their law offices raided and assets seized” is an attempt to discredit the legal service we provide and is potentially libelous. We are quite aware of the Kramer and Kaslow debacle. We as attorneys have taken great care and research to avoid the same mistakes. We do not appreciate being lumped in with them.

    The three major ethical issues with Kramer and Kaslow were:

    Unauthorized Practice of Law. This is where potential clients never spoke to any attorney before being retained. Every client retained by our firm must speak to an attorney in advance of retention. We do not allow non attorneys to give legal advice.
    Misleading Advertisement. With regards to the Kramer and Kaslow problems, marketing pieces were routinely sent out stating that people could get their house “free and clear” or with words “legal settlement” in it. As stated above, we adhere to California Bar guidelines.  We avoid misleading phrases and we include the words “legal advertisement” to appear on the envelope and on the first page of our marketing pieces. Let me emphasize, our marketing pieces were reviewed by the California Bar already.
    Split fees with non attorneys. We only pay other law firms according to Code 2-200 of the California Rule of Professional Conduct. Any non attorneys can only be paid for their services and not as a percentage of the retainer. Kramer and Kaslow on the other hand had an ambassador page on their website and openly flaunted splitting fees with non attorneys.

    Some of Mr. Rhode’s followers have commented stating that we are a “scam”. According to Mirriam Webster online, a scam is defined as a fraudulent or deceptive act or operation. We are filing mass lawsuits on behalf of homeowners against lenders because of predatory lending, fraud and other causes of action. Potential outcomes are principal reduction, interest rate reduction, and monetary damages among others.  There are no guarantees as to the outcome however we believe in the merits of our cases. Each and every of our clients must go through a recorded compliance call making sure they understand every aspect of what they are retaining our firm to do. This is neither a fraudulent nor a deceptive act. As such, we ask, what scam have we perpetrated in? Our suits are legitimate well meant means for homeowners to be able to address the wrongdoings by the big banks.

    We invite Mr. Rhode to visit our offices and meet directly with us. We understand Mr. Rhode wishes to help those in need and we admire him for it. We only ask that he get all the facts before rendering any conclusions. Should he wish to contact me, he can do so at [email protected].

    Sincerely,

    Chad T-W Pratt

    Attorney at Law

  • Real Estate Law Center

    My name is Chad Pratt and I am the lead attorney for Real Estate Law Center, PC. I have over 20 years of experience as a litigating attorney and have never been disciplined by the State Bar of California. I work relentlessly for my clients. I wish to address Mr. Rhodes’ contentions in his blog dated September 29, 2011. http://getoutofdebt.org/31285/real-estate-law-center-boldly-ridiculous

    Our address. The firm’s main address is 30 North Raymond Avenue, Penthouse Suite, Pasadena, CA 91103. It is a working office where I work. We maintain other addresses to meet with clients and for administration as well.
    Attorneys. I am the lead attorney and we have a number of associate attorneys as wells as of counsel attorneys. Adlore Clarambeau is not a member of our firm nor is he associated with our firm or litigations.
    Mr. Rhode’s contention that “there are so many red flags here that it doesn’t even pass a casual initial inspection”.

    Mailer. The mailer in question has been inspected by the California Bar which requested only 3 changes. They asked to remove “final notice”, the heading “Multi Party Lawsuit” and “Legal Notice” on the envelope. Other than these changes the California Bar on FULL INSPECTION found the mailer acceptable. To address a consumer statement on October 19, 2011 at http://getoutofdebt.org/31253/real-estate-law-center-pc-scam-report-10-11-2011  regarding the receipt of 1012 Forms and another consumer statement on November 10, 2011 at http://getoutofdebt.org/32159/real-estate-law-center-scam-report-11-10-2011 regarding the receipt of “Legal Notice-personal and confidential” mailer, an “Express Pak Service” that says “registered certified document”, we already implemented the changes, if anyone still continues to receive a mailer with these words, I ask that you please report to me immediately. As much as we believe Mr. Rhode’s intention is to help homeowners, we with all due respect must adhere to the governing attorneys of the California Bar who are nominated to their posts to oversee attorneys and protect the public.

    Mr. Rhode’s contention that “Real Estate Law Center is not familiar that the Attorney General of California recently filed a suit against attorneys using similar deceptive marketing” and “Those attorneys had their law offices raided and assets seized” is an attempt to discredit the legal service we provide and is potentially libelous. We are quite aware of the Kramer and Kaslow debacle. We as attorneys have taken great care and research to avoid the same mistakes. We do not appreciate being lumped in with them.

    The three major ethical issues with Kramer and Kaslow were:

    Unauthorized Practice of Law. This is where potential clients never spoke to any attorney before being retained. Every client retained by our firm must speak to an attorney in advance of retention. We do not allow non attorneys to give legal advice.
    Misleading Advertisement. With regards to the Kramer and Kaslow problems, marketing pieces were routinely sent out stating that people could get their house “free and clear” or with words “legal settlement” in it. As stated above, we adhere to California Bar guidelines.  We avoid misleading phrases and we include the words “legal advertisement” to appear on the envelope and on the first page of our marketing pieces. Let me emphasize, our marketing pieces were reviewed by the California Bar already.
    Split fees with non attorneys. We only pay other law firms according to Code 2-200 of the California Rule of Professional Conduct. Any non attorneys can only be paid for their services and not as a percentage of the retainer. Kramer and Kaslow on the other hand had an ambassador page on their website and openly flaunted splitting fees with non attorneys.

    Some of Mr. Rhode’s followers have commented stating that we are a “scam”. According to Mirriam Webster online, a scam is defined as a fraudulent or deceptive act or operation. We are filing mass lawsuits on behalf of homeowners against lenders because of predatory lending, fraud and other causes of action. Potential outcomes are principal reduction, interest rate reduction, and monetary damages among others.  There are no guarantees as to the outcome however we believe in the merits of our cases. Each and every of our clients must go through a recorded compliance call making sure they understand every aspect of what they are retaining our firm to do. This is neither a fraudulent nor a deceptive act. As such, we ask, what scam have we perpetrated in? Our suits are legitimate well meant means for homeowners to be able to address the wrongdoings by the big banks.

    We invite Mr. Rhode to visit our offices and meet directly with us. We understand Mr. Rhode wishes to help those in need and we admire him for it. We only ask that he get all the facts before rendering any conclusions. Should he wish to contact me, he can do so at [email protected].

    Sincerely,

    Chad T-W Pratt

    Attorney at Law

    • Concerned CW/BOA “Customer”

      Chad, just recently I spoke with your paralegals at 805-708-8207 and 818-239-8130 and never spoke with an attorney.  Your people tried really hard to get me to join the lawsuit and are really good at their job.  They never did mention that I had to speak to you or another attorney before paying the retainer fee of $5000.  I’m almost at the point of joining this effort, but am still leery.  Can you please go on record and let us know how it’s going so far?  How long do we have to join this case against CW/BOA?  If BOA goes after us in a foreclosure is your law office prepared to assist us in prolonging our stay within our home as your paralegals explained?  What specific violation are you going after CW/BOA on?  What guarantee do we have after paying such a fee?  Would you post the retainer note on this web blog for all to see?  If we join this effort does our name also get posted on the lawsuit document?      

  • Guest

    steve rhodes, please exercise due diligence regarding Real Estate Law Center PC. If you would call their office and speak with one of the attorneys you would gain clarity and serve your audience better. Call them directly, the number is 866 946-5342. They aren’t associated with the .org group or the marketeers using official looking mailers. You need to get your facts straight before spreading misinformation around. In fact, you should see what people are posting about you. I noticed these unauthorized mailers are from last year and I would think the law firm would have dealt with the marketeers who sent it out. I know some people in the Ramos vs BOA case and they are quite happy and underway in the lawsuit.

    • Reason

      Guest — a year ago you posted this above, and it seems just this month Ramos v. BofA has been decided, a judgment issued.

      In researching the case BC463386 (https://www.lasuperiorcourt.org/civilcasesummarynet/ui/ – enter the case # on this site) – JETHRO RAMOS ET AL VS COUNTRYWIDE FINANCIAL CORPORATION ET AL) – The case took nearly 2 years (Jun. ’11 – Apr. ’13), and clearly required a significant amount of time and work by RELC and their attorneys and supporting staff, so even if there wasn’t a resulting ‘win’ in the final order (I can’t tell from the site – Steve may know), the work was in fact delivered as contracted and clearly a determined attempt was made in the case. A win cannot be promised for any of us, and RELC is fair and clear in communicating that up front. I think a lot of folks would be more able to make an informed decision if they just felt RELC is authentic or not.

      This case seems to demonstrate that it in fact is legitimate. I Imagine attorneys don’t go into a host of cases with the intent to lose them on purpose at the onset, and my digging shows there are in fact numerous pending RELC cases that I’m aware of, and I asume many I am not. I counted roughly 20 plaintiffs on this case noted above, which works out to $100K in retainer fees collectively, plus another total ~$100K in collective monthly maintenannce fees. $200K is not a lot for any law firm to pocket after spending nearly two years of work on a case against big banks with legal staff, etc. There just doesnt appear to be ‘scam’ money being made here.
      Please share any insights you may have now a year later. Thanks!

      • http://GetOutOfDebt.org Steve Rhode

        Before I spend money to get a copy of the judgment, tell me what you believe it says or awards.

      • Reason

        Honestly Steve it’s gibberish to me, ‘legal speak’, it’s a foreign language to me. The case status at the top says “dismissed/other” but the date it references is 10/2012, which is well before the actual end date of the case. I don’t now what dismissed means in legal speak… it could either mean ‘tossed out’ or the case is adjourned/over/settled, or something else I’m not aware of. I certainly wouldn’t ask you to spend money getting a copy (no idea what that cost is). If I decide to do that in this process I can certainly upload to you what it says. After dropping the $5K the other day, I will likely hold off putting out any more money unless research really warrants it.

        I have to say too, I really appreciate your site, your responses (and your responsiveness), and your visitors and their commentary. You have a good and very useful online forum here for helping people to at least have ‘more’ of the story than what either marketing or cynicism would provide. Also helps us to know we’re not alone. Thank you.

      • http://GetOutOfDebt.org Steve Rhode

        So I went and read the judgment. The court ruled in the banks favor and against the consumers “shall take nothing on their complaint against said defendants.”

        If that’s the case you were hoping would be proof of concept, it’s not.

        And I’ve yet to see one be successful.

        If a company took money from you the other day based on this suit, they would have known since October, 2012 that the case was ruled in favor of the banks.

      • Reason

        Steve,

        I hereby withdraw my hope of ‘authenticity’ and support of RELC given this evidence, that scam or not, this is clearly not something people should participate or invest in. This document is says it all, “[Plaintiff's] shall take nothing on their complaint against said defendants.” I thank you for acquiring and posting these two pages. This case BC463386, in conjunction with the revealing YouTube video posted yesterday just below by ‘Piggybankblog’: http://www.youtube.com/watch?v=1Cjqe_tPZoE, make it all too clear that one is not investing wisely when dealing with RELC.
        If there is any way for you to make these two key items clearly available on your site for anyone inquiring about RELC going forward, these would likely help everyone to make a fully informed decision. The video demonstrates a cookie-cutter process, identical to those used on me, which in the end tempted me to actually take the plunge. I’ve had to take immediate steps to undo everything now – but thanks to your site and the folks contributing good data, I’ll be talking to HUD for help now and suggest others do the same: 888-995-HOPE.
        Thanks again. I look forward to monitoring this site.

      • http://GetOutOfDebt.org Steve Rhode

        As oer your suggestion I have added it to the post.

      • Very concerned now

        Dear Reason,
        I can see that you are looking for something concrete and I am happy to provide you with an update on our situation. I agree that it’s frustrating when there are no updates. I don’t want to see anyone go through what we went through so here goes…
        We signed up with RELC for an individual case as they promised this would resolve our case quickly – what other advantage would there be? In a mass tort, unlike a class action, all cases have their own specific details. So after paying and paying, as they “worked on our case”, and consistently requesting to see the work they’d done, they finally sent us what they’d supposedly spent hours doing – after being led on with one lie after another excuse FOR 7 MONTHS. They didn’t have our case even close to right and had merely added our names to a cookie cutter suit they’d obviously done for other clients. It even had typos, grammar issues and wasn’t professionally completed. Fed up, we cancelled our contract. Not only were we refused a refund – they said we had to pay for all the work they’d done which was clearly less than a day’s worth of work. They didn’t consider the hours and weeks we spent providing them information they lost, months of emailing them information we’d spent days organizing for them, the hours of explaining case details they didn’t even listen to, etc. Their work was incomplete and useless to us. It’s like paying for a used, non functioning stereo system without the speakers – all you can do it throw it away as it would cost more to fix it then it’s worth. No other attorney could even use the work they did. But here’s the real kicker THAT PROVES THEY ARE A SCAM – AFTER WE CANCELLED, THEY CONTINUED TO DEDUCT $1500 A MONTH FROM OUR CHECKING ACCOUNT!! AND ARE STILL TRYING TO DO IT!!! We now have to close our checking account and start over. It’s going to take us more hours to re-do all the auto bill payments and change accounts than they spent ever working on our case!
        I wish I had seen this website before signing up. It would have saved us tons of money and grief…. do yourself a favor and take advantage of other’s experiences. The only reason I’m wasting my time is because I don’t want to see other people go through what we did. From what we’ve learned, there are no firms that have had success so if they try to sell you this idea, it’s probably a lie. Don’t just ask if they’ve won any cases and believe them like we did. Make sure to ask for more than one case number – get at least 3 case numbers. If they’ve won 3 cases, and you see proof and have verified it on a legal website, then go for it. Don’t take their bar rating as an indicator or BBB rating. That could just be because there hasn’t yet been enough time for the lies to unfold. And don’t under-estimate how lucrative it is to file mass joinder lawsuits. Especially by using the same cookie cutter submissions over and over, merely changing a few details. This takes less than an hour at best… from our experience, they don’t read the pertinent data you provide that should be put in your suit. They don’t listen when they interview you on the phone. I think they read a book or better yet, type your name and a few details into your lawsuit as they interview on the phone – assume that’s about how long they actually work on your case so at $5k an hour, it adds up.
        The worst part is that they have all your ID and personal info so they can easily harm you so I will be reporting them to the FBI and other places as potential ID theft candidates. Luckily, I have family and friends in high up places in law enforcement and they will be watched and prosecuted if they do this but why put yourself at risk? Do you really want people who lack integrity to have this?

        Go to NACA. They are in Ontario CA this weekend if you are in California? If not, go onto their site http://www.naca.com I’m not positive what their success rate is but I’ve heard they at least try and don’t charge you anything. They sit you down face to face with your lender – you have to wait hours but it’s worth it. They know all the laws and available programs. It’s a nonprofit. Or of course there is HUD. Either you qualify or you don’t. Your banks don’t have to modify and these lawsuits are not successful unless you have a solid case of fraud, etc. and even then, many courts, especially California, are not consumer friendly – some say they’ve been bought off by the big banks. The only states that have had success with this are Ohio and Florida and a few others I can’t remember. If you are in Florida, Jim Bonifiglio is legitimate. He as on MSNBC and may be able to refer you?? Anyway, these mass joinder cases have not worked and anyone taking your $5k at this point knows that. Try to file a report with DRE or the BAR and get your money back!

      • Reason

        Bless you for everything you’ve added here. I wish you hadn’t had to go through all that you did, but your experience is surely helpful for many people. I did end up backing out after ‘agreeing’ to sign up, and was able to lock down my accounts before anything could be taken. From everything I could tell, it’s exactly as you stated, cases ‘might’ be filed, but no effort goes into winning them, and that’s just sad. It became all too clear there was a whole lot of misleading going on. I’m going to HUD next and I’m pretty sure there is nothing they can do in my case. Thank you very much for your experience here.

      • Very concerned

        Thank you and I’m so sorry for all you’ve been through too. I wish there was something I could do, as we all wish, that could help all the victims that were harmed out of this. I’ve done a lot of research on what happened regarding the banks and it’s truly amazing what they got away with. One day I am going to get someone to do a documentary and these jerks will be exposed. I think I even found the right person to do it. If people ‘only knew’ about what happened behind closed doors In Washington… they would be appalled. It’s right up there with what BP and Exxon did. I bought 3 kits a while back and paid a lot for them. One provides a calculator that has the formula the banks use to qualify people. It takes you step by step on how to apply for a modification. The other one has all the forms and a lot of inside tips – it’s very smart. I was just about to use them when we were scammed by RELC. But I’ve since learned (not from RELC- they were useless) that we fail the NPV test so we won’t qualify and now have the option to refinance. But you are welcome to these kits if you want. If you let Steve know, I can get them to you through Steve somehow. I paid about $200 – $300 so I’d like to see it go to good use. It won’t help us anymore so let me know if you want to use these as you are more than welcome to it. It will tell you what numbers you need to qualify, you input your numbers into this little calculator, it does the NPV calculations for you and gives you a pass or fail. Then you know what to do if you don’t qualify. It’s pretty cool. It walks you through all the steps and has amazing advice. It is much more helpful than HUD as they are pretty vague to be honest. They try but but are pretty limited and won’t tell you this much inside info. I’d really like you to have it. Or anyone else that needs it. Just let Steve know and I can get it to him and maybe he can even make it available for people. It’s a complete system and if a modification would work for us, I’d surely use it. Anyway, I wish you all the luck.

      • http://GetOutOfDebt.org Steve Rhode

        Did you know there is a free NPV calculator available online? http://getoutofdebt.org/31473/free-mortgage-modification-help-tips-resources-and-calculators

    • LEAVESTEVERALONE

      Dear guest, it is very fortunate that Steve is able to post as he sees fit as it saves people from getting sucked into firms like RELC which I have had personal experience with. I was one of the plaintiffs in the Ramos vs. BOA case so don’t take the liberty to speak for any of us. Clearly you weren’t the one who wasted your money or was led to believe they had won several cases in the past and had gotten settlements, reduced principal, and were verbally saying we’d get a 2% interest rate while giving us a bum contract that left them every ‘out’ so afterwards, you have no recourse when you learn this wasn’t TRUE. They don’t even carry insurance for malpractice! You didn’t sit in on the initial meetings (OR DID YOU?) when we signed up and were led to believe this was not a loan modification and given such a hard sell, you couldn’t wait to sign up because you weren’t told the truth. I know other people who signed up who believe the same – that they weren’t treated with honesty. We all think this place should be shut down!! Not just because we didn’t win but because of our personal experience, we all feel they are in violation of MARS rules and after speaking with HUD, what they attempted was nothing more than a loan modification yet they call it ‘litigation’ to get around the MARS rules. They had no right to charge $5k upfront! You can call a duck a mule but if it quacks like a duck, walks like one, and swims, IT IS A DUCK! And you can’t justify charging the price of a horse for a DUCK which is what they did!! And you are wrong about these flyers. We got a flyer and it was from RELC and said the same things so don’t cop out and try to defend this to me – I KNOW BETTER and I don’t want to see anyone else go through what we went through so that’s why I’m posting!! So leave Steve Rhodes alone! He’s not spreading misinformation but only trying to help people. He’s doing a good thing here and people would be well advised to listen to him.

  • Lynn

    I just received a mailer saying this company: 20 N. Raymond AVE #PH, Pasadena, CA 91103. The mailer says I am a potential plaintiff in a mulit-party lawsuit vs Wells Fargo Bank. It says they are 1) seeking monetary damages per individial; 2) going after my fradulent mortgage note, 3) filing multiple claims of fraud and misrepresentation; 4) seeking an interest rate reduction, 5) seeking forgiveness of past due payments; 6) seeking a principle balance reduction. I called the phone # and they sent me a Q&A list. They claim this is a Mass Tort. They are asking for a completed client questionnaire, a copy of loan documents, and an executed retainer agreement. I haven’t responded, so I’m not sure what the retainer agreement is, and I’m not so sure about providing any of my loan info. Is there a way for me to find out if this is a true suit and not a scam?

    • http://GetOutOfDebt.org Steve Rhode

      See the article this comment is posted on for more information on a similar mailer.

      • Manymenmatters

        I just got a mailer and it says i have to reply by feb 22 2012.  I called and they know their stuff as the info they gave coincided with what I have already learned and spoken to a (legit) attorney in Phila where I am located regarding doing the same thing, but I thought I’d inquire who this was.  I have a lot of information to share to ferret this out and stop this if it is wrong. I asked ryan at this Consumer Advocacy Group Hotline 855-551-2421 to email me proof of why they are legit.  i didnt get too much but wish to share the links. Are these the bad guys?
        http://members.calbar.ca.gov/fal/Member/Detail/149746
         
        http://www.la.bbb.org/business-reviews/Attorneys/Real-Estate-Law-Center-PC-in-Los-Angeles-CA-13206377
         
        http://www.lenderlawlitigation.com

      • K_lalayan

         i’ve retained the above company and they seem fine so far.  they’ve stopped my foreclosure proceedings the lender has sent me a proposed to restructure my current loan with Bank of America….??? and http://www.lenderlawlitigation.com is their website and Chad Pratt is the lead attorney (they have many attorneys)

      • Concerned CW/BOA “Customer”

        K_lalayan, can you please expand on your experience so far for the rest of us contemplating joining this lawsuit?  I’m very interested in finding out more as it is very inciting.  How much did it cost you and what were the terms in the form of payments?  Were you allowed to make payments or did you have to come up with the amount in one or two payments?  They know we don’t have much money, so it’s kind of ridiculous to ask for immediate payment.  I thought mass lawsuits didn’t cost us anything to join and the attorneys only get paid if they win?  So, this sounds odd to me.  Should I run away from Real Estate Law Center PC?  Are you concerned now since you’ve paid?

  • Lynn

    I just received a mailer saying this company: 20 N. Raymond AVE #PH, Pasadena, CA 91103. The mailer says I am a potential plaintiff in a mulit-party lawsuit vs Wells Fargo Bank. It says they are 1) seeking monetary damages per individial; 2) going after my fradulent mortgage note, 3) filing multiple claims of fraud and misrepresentation; 4) seeking an interest rate reduction, 5) seeking forgiveness of past due payments; 6) seeking a principle balance reduction. I called the phone # and they sent me a Q&A list. They claim this is a Mass Tort. They are asking for a completed client questionnaire, a copy of loan documents, and an executed retainer agreement. I haven’t responded, so I’m not sure what the retainer agreement is, and I’m not so sure about providing any of my loan info. Is there a way for me to find out if this is a true suit and not a scam?

  • Guest

    I received the same mailer from the Real Estate Law Center PC, 16209 Victory Blvd., #102, Lake Balboa, CA 92707. When I contacted them to set up a face to face I was given an address of 3240 El Camino Real, Suite 200, Irvine, CA 92602.

  • Guest

    I received the same mailer from the Real Estate Law Center PC, 16209 Victory Blvd., #102, Lake Balboa, CA 92707. When I contacted them to set up a face to face I was given an address of 3240 El Camino Real, Suite 200, Irvine, CA 92602.

  • Guest

    They now are also having a ‘personalized’ web site for their targets to ‘obtain furhter information’ incase you do not want to call the number. The number is now 866-571-0214 and the site is http://www.tortinfor.com/your_name_here. The one I received was against Bank of America, so they lare targeting people with their particular mortgage company.

  • JD

    You just need to google Adlore Clarambeau to see all the complaints he has against him in all different areas of the law he “claims” to practice. We retained him and he took our money and we could never reach him. We ended up doing all the work and when we were lucky (or unlucky) to reach him, we were disconnected 90% of the time. He’s a con man and should have his license to practice revoked in any state. He’s a waste of time. We were able to resolve our issue without his help whatsoever. We wrote to the CSB and he refunded roughly half of what we paid him. I cannot believe he is still able to practice anything.

  • Jeanclaudelibourel

    Thank you Steve. I get hundreds of these scams. They tell you it’s free, they get money from the lender, they talk to you in and then, suddently, they asked for your bank account to be able to retrieve 1 % of your loan amount as a payment for their work.
    The only way to get out of your mortgage problem is cetainly not to deal with these crocks.

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