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Home > Ask The Get Out of Debt Experts > Is The Advocacy for Consumer Rights and Chad Pratt a Scam? – Will

Is The Advocacy for Consumer Rights and Chad Pratt a Scam? – Will

Notice (9-24-2013) – On 9-23-2013 I was served with a lawsuit from The Advocacy for Consumer Rights, which you can read here.

They mention this article in the suit and claim “Defendant posted false statements on the internet, at, stating that “IS THE ADOVACY OF CONSUMER RIGHTS AND CHAD PRATT A SCAM?” stating that it is “odd” that TAFCR is a Nevada company; stating that TAFCR “is a front end marketing group that sends out advertisements and refers people to other firms”; implying that TAFCR is a scam; and making a variety of other untrue and damaging statements aimed at Plaintiffs (collectively the “False Statements”). The False Statements have been attached to Exhibit A hereto.”

As a matter of clarification, in case any reader was confused, the use of the word “Odd” was in reference to the fact the BBB stated the company was located in Nevada and not Arizona. It was not intended to imply anything else.

The statement of my opinion I felt they were a front end marketing group related to the fact they stated “We are not a law firm and do not provide legal advice” and would have to refer consumers for legal representation. It was not intended to imply anything other than what they stated.

“Dear Steve,

I assumed a pic a payment loan in 2006 with World Savings, then Wachovia, and now Wells Fargo. I was in the middle of a divorce and needed to pay my ex wife her share of the equity. In 2008 I asked Wells Fargo for a loan modification to no avail.

I recently received a letter from “The Advocacy for Consumer Rights”. They pointed out the many illegalities with the origination of my loan. They recommend I join a mass tort lawsuit filed by Chad T-W Pratt, case no. BC 490700 against Wells Fargo.

I must pay a $5,000 retainer fee, 29.95 monthly fee, and 30% of any monetary recovery. I would like to get my loan adjusted to payments of 31% of my income and set at a fixed rate. However I have received lots of offers from law firms and I don’t know who to trust. The upfront non refundable fee and the 30% contingency fee seem excessive.

Have you heard of The Advocacy for Consumer Rights organization ? Do you know of any legitimate firms or organizations that can help me obtain a loan modification ?


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

Dear Will,

I’ve been helping people for decades now. My experience has taught me to be skeptical first and let the clues and facts better inform my opinion.

Chad Pratt sure gets around.

Until your question I’d never heard of The Advocacy for Consumer Rights so I took a look.

A Look at The Advocacy for Consumer Rights

The Advocacy for Consumer Rights
2152 McCulloch Blvd
Suite G
Lake Havasu City AZ 86403

Phone: (888) 320-1599

Is The Advocacy for Consumer Rights and Chad Pratt a Scam?   Will

A search of registered Arizona corporations could find no company registered to do business in Arizona under the name The Advocacy for Consumer Rights. Not Good!

Is The Advocacy for Consumer Rights and Chad Pratt a Scam?   Will

The BBB reports the president of the company is Amanda Hunter and they are actually a Nevada corporation. Odd. – Source

Since the registration in Nevada the LLC has let it’s registration lapse and was reinstated on December 10, 2012. – Source

The website was first registered on August 24, 2012. It’s domain ownership is hidden.

Their website appears to only have a few pages on it.

One of the pages seem to just be a marketing message in response to a mailer they’ve done.

If you received a notification, you must call the Case Manager listed on your notification during the time frame listed on the notice or send an email to You must include the “ID Number” listed on the top right corner of the notification, to ensure your request is routed to your designated Case Manager. Due to the large number of applicants, Case Managers will return all calls and emails in the order in which they were received. – Source

Yet the website also says:

We are not a law firm and do not provide legal advice. If you have any questions or concerns regarding a legal issue, we encourage you to seek the advice of an experienced attorney. Depending on the review of your situation, we may advise you seek the council of an experienced attorney.

This leads me to believe the company is a front end marketing group that sends out advertisements and refers people to other firms.

I would recommend that anyone considering using such a company should read the following fee guides.

  1. The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
  2. How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off

If you are looking for mortgage modification help I would suggest you exhaust your free options first, see the list below.

At the very least I would implore you to get a second opinion from a real estate attorney that is licensed to practice in your state. Just based on the fact they sent you an advertisement is a clear sign they want to sell you something.

Let me know what happens and if you can, please send me a copy of the mailer you got. You can upload it to me here.

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!

Is The Advocacy for Consumer Rights and Chad Pratt a Scam?   Will
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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.
  • Reason

    Seriously considering enlisting the help of Real Estate Law Center PC (RELC)? Please watch this video:, 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.”: — this is the only completed case found since RELC formed in CA in Aug. 2011.

  • Reason

    Thanks posting this Steve. Seems to be a hot topic these days. I have a hunch I’ll be spending a good amount of time on your site in the next year.

    • Steve Rhode

      I’ll post this video you suggested on the other thread.

      • Reason

        Thanks again Steve – I’ll stop bombarding your site with comments now and just chime in now and then. I really do appreciate the fact that your site is here to help people make informed decisions. Thanks for making that possible.

      • Steve Rhode

        Comment away. The more input from all, the better.