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Home > Ask The Get Out of Debt Experts > We Feel We’ve Been Scammed by Caplan Law Group for a Loan Modification. – Delores

We Feel We’ve Been Scammed by Caplan Law Group for a Loan Modification. – Delores

“Dear Steve,

HI STEVE , WE HIRED AN ATTORNEY OUT OF STATE TO SETTLE OR GUIDE US THROUGH A LOAN MODIFICATION WITH OUR LENDER. IT HAS BEEN 18 MONTHS AND 3 CHANGES IN OUR LENDER (IN LESS THAN A YEAR). WE PAID 3, OOO $ FOR THEM TO NEGOTIATE AND REPRESENT US IN A LOAN MODIFICATION. NOTHING HAS BEEN SETTLED AND THEY ARE FOR THE 3RD TIME ASKING US FOR MORE PAPERWORK AND DOCUMENTATION TO RESUBMIT TO THE LATEST LENDER . THEY TOLD US TO SHOW HARDSHIP AND QUIT MAKING OUR PAYMENTS, SO WE ARE REALLY IN ARREARS AND A SALE DATE HAS BEEN SET FOR APRIL 10TH, 2013. WE FEEL THEY HAVEN’T DONE ANYTHING FOR US AND JUST SHUFFLING PAPERWORK. WE ARE OUT MONEY AND FACING FORECLOSURE!

IS CAPLAN LAW GROUP ATTORNEYS A LEGITIMATE COMPANY TO HANDLE LOAN MODIFICATIONS? THEY ARE LOCATED IN W. PALM BEACH FLORIDA AND CURRENTLY DOES NOT HAVE A GOOD STANDING WITH THE BBB. WE FEEL WE HAVE BEEN SCAMMED AND CAN WE GET OUR MONEY BACK? ANY INFO YOU HAVE WOULD BE GREAT! WE ALSO HAVE BEEN CONTACTED BY A LAW GROUP WHO WANTS US TO JOIN A GROUP LAWSUIT AGAINST OUR LENDER. A GROUP COMPLEX TORT ACTION LAWSUIT. WE HAVE READ A LOT ABOUT THESE RIPOFFS ON YOUR BLOG AND THINKING ABOUT TELLING THEM TO GO JUMP! WE ARE SICK OF EVERYONE TRYING TO GET RICH ON OUR MISFORTUNE!

DELORES”

Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat back debt. – Click Here

The Answer

We Feel Weve Been Scammed by Caplan Law Group for a Loan Modification.   Delores

Dear Delores,

Caplan Law Group in West Palm Beach, Florida does have an F rating with the BBB. – Source

The BBB reports Edward Gee is the principal of the company and so does the State of Florida. Just one problem with that. The Florida Bar does not show any attorney licensed to practice law under that name.

The company listed address with the State of Florida, 745 Veneto Drive, #304, West Palm Beach, FL 33043 looks like an some sort of residential complex with a pool. – Source

We Feel Weve Been Scammed by Caplan Law Group for a Loan Modification.   Delores

A street view shows it as some sort of gated community.

We Feel Weve Been Scammed by Caplan Law Group for a Loan Modification.   Delores

I would suggest you follow this guide in an attempt to get your money back.

Regarding the mass joinder marketing attempt, I have no known one of those suits to be successful.

Regarding your mortgage loan modification, see the free links below.

Mortgage Help

Be sure to first read How Not to Get Scammed by a Mortgage Loan Modification Company.

Debt-to-Income Calculator

First you’ll need to determine your current debt-to-income ratio. The target debt-to-income ratio under the Home Affordable Modification program is 31%. Use this free online DTI calculator.

Mortgage Modification Calculator

The mortgage modification eligibility calculator will ask you several questions and then show you which programs you may be eligible for.

The free mortgage modification calculator can be found here.

Free Mortgage Modification Help and Counseling

If you have questions about the process or eligibility you can call 888-995-4673 and get connected with an mortgage modification adviser for free. This help is provided by government subsidized HUD Housing Counselors and they can be a big help in navigating the modification process.

In order to assist you, the housing expert will need to gather some information from you. Have the following documents handy:

  • Information about your first mortgage, such as your monthly mortgage statement.
  • Information about any second mortgage or home equity line of credit on the house.
  • Information about the monthly gross (before tax) income of all household members contributing to pay the mortgage, including recent pay stubs if you receive them or documentation of income you receive from other sources.
  • Information about your savings and other assets.
  • Account balances and minimum monthly payments due on all of your credit cards.
  • Account balances and monthly payments on all your other debts such as student loans and car loans.
  • Your most recent income tax return.
  • It may also be helpful to have: A letter describing any circumstances that caused your income to be reduced or expenses to be increased (job loss, divorce, illness, etc.), if applicable.

You can also get free help and housing counseling from a local HUD approved counselor. You can find your local free housing counselor, here.

Contact Your Mortgage Company

Not sure if your mortgage company offers modification programs? Not all do. You can contact your mortgage company to ask them about mortgage modification programs you might be eligible for. Click here to find your mortgage company.

NPV Calculator

Want to know the net present value (NPV) of your home for the mortgage modification process? No problem, use the free NPV calculator to find out. The NPV calculator is right here.

The calculator can be used by homeowners who have been denied a HAMP modification because of their NPV result or can also be used by homeowners prior to applying for a HAMP modification to help them better understand the NPV evaluation.

No Advance Fees

The Federal Trade Commission has a Mortgage Assistance Relief Services Rule which prohibits advance fees for mortgage rescue services or mortgage modification help.

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

Big Hug!

We Feel Weve Been Scammed by Caplan Law Group for a Loan Modification.   Delores
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Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Mary

    Dear Steve,
    We don’t even know if the call you got was from an attorney as the Kimelman’s, Yaron Kimelman, Eitan Kimelman, Noam Kimelman and Abraham Kimelman like to play doctor, lawyer, banker, etc.

  • Mary

    Dear Steve – This phone number is owned by Eitan Kimelman of NYC. He owns a scam company known as Bell South Telecomm Inc. dba Southern Bell Tel& Tel. He has many scam telecommunication companies including Level 3 Communications, Broadwing Communications., Qwest Communications, Teleport Communications, etc etc. If you want a full list, post here and I will provide it.. Eitan KImelman has a brother Abraham KImelman who is married to Alison Caplan. I don’t believe that a James Caplan exists here. I believe Abraham is using another name. He and his brothers Eitan and Yaron use false names and voice changers all the time. They have many phone scams and company scams going all the time. Abrahaqm was caught by the Texas Attorney General in 2009.

    • http://GetOutOfDebt.org Steve Rhode

      Eitan Kimelman’s attorney has contacted the site and has indicated a willingness to sue this commenter. We have advised the attorney that if that is what they choose to do we have no control over that and if we receive a subpoena, we will post the subpoena to allow Mary a chance to deal with the subpoena.

      It is the site policy to not remove comments, as laid out in the site terms. However, if the same commenter wants to offer a correction or retraction to their comments we would be willing to publish that.

  • DELORES

    THANKS STEVE, NOT QUITE SURE WHAT TO DO NEXT, BUT WE CAN ASSURE YOU WE WILL NOT ALLOW JAMES F. CAPLAN AND HIS GROUP TO GET AWAY WITH SUCH DISHONESTY AND TO CONTINUE TO LEAD PEOPLE TO THINK THEY WILL PROMISE A LOAN MODIFICATION WHEN THEY ARE NOT EVEN LEGAL TO PRACTICE SUCH MORTGAGE LAWS UNDER THE STATE OF FLORIDA. HOW THEY CAN CONTINUE BUSINESS, EVEN AFTER A CEASE AND DESIST ORDER IN OCT, 2012 IS BEYOND ME! IT IS ILLEGAL TO TO CHARGE UP FRONT FEES TO OFFER MORTGAGE ASSISTANCE RELIEF. HEY FOLKS, PLEASE BE AWARE!

  • delores

    Hi steve, thanks for your answer today re: Caplan law. The actual firm is called the Law offices of James F. Caplan. I think its different from the one you checked on maybe? I found out today that their office was served a stop and desist order from the govenor of Georgia last oct 23,2012 and we were not notified. They have continued to “say” they are working on our loan modification. Apparently they don’t have the right licensing and are practicing illegal representation. Now we are really pissed as they have been stringing us along for over18 months! We need our 3,000 dollars back! What to do now? Our lender which is our 3rd one in a yr, refuses to talk to us and we are the homeowners. They say we hired an attorney and they will only talk to them. This is so unbelievable! Help!

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