Debt Relief Industry Marketing

Form H-118 is the New Mass Joinder Marketing Form. Watch Out.

A reader sent in the latest version of the mass joinder mailer. I guess the folks mailing it got sick of people being able to easily find information on the old 1012-R mailer that was being sent.

The H-118 mailer is the same format but just with a new name.

As you can see below the form states a voided trust deed is possible, it is a litigation notification, the recipients status is eligible and it is for a mass joinder case.

The inside of the form does not revel who the sender is.

However the form does give the impression that the receiver will be eligible for $75,000 in damages along with the voided trust deed. It’s the same old pitch.

If you have received one of these mailers from California or about a California property the California Bar Association wants to hear about it. Please click here.



H-118 Mailer – Example 1 – California

Sender: Litigation Settlement Department, Irvine, CA 92626, 1-877-454-7501
Possibly Kramer & Kaslow. – Source

Against: American Home Mortgage



H-118 Mailer – Example 2 – California

Sender: Litigation Settlement Department, Irvine, CA 92626, 1-877-454-7501
Possibly Kramer & Kaslow. – Source

Against: Mission Hills Mortgage Bankers



You will notice the outside of the mailer does not show who the sender is. It does show Santa Ana, CA postal permit 55.


H-118 Mailer – Example 3 – California

Sender: Litigation Settlement Department, Irvine, CA 92626, 1-877-454-7501
Possibly Kramer & Kaslow. – Source

Against: National City Bank



H-118 Mailer – Example 4 – Florida

Sender: Litigation Settlement Department, Irvine, CA 92626, 1-877-454-7501
Possibly Kramer & Kaslow. – Source

Against: Countrywide Home Loans



H-118 Mailer – Example 5 – California

Sender: Litigation Settlement Department, Irvine, CA 92626, 1-877-439-3244
Possibly Kramer & Kaslow. – Source

Against: Vitek Mortgage Group

Update November 18, 2011

A reader sent in a mailer they just received in Pennsylvania.

If you have received one of these mailers from California or about a California property the California Bar Association wants to hear about it. Please click here.

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About the author

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.

14 Comments

  • Received one in PA.  Filled out a complaint form and sent all the materials, including their email back to me and attachments outlining the $2,500 fee to the PA State Attorney’s Office.  Not sure if they’ll take any action but at least they will know if others do the same.

    • hi Kevin! I got the same one in PA. I really thing that could be a scam.I was about to send the money too, but I  want to see if someone has some results, I mean positive results in this situation. My h-188 form it’s exactly like in example 5.

  • Received one in PA.  Filled out a complaint form and sent all the materials, including their email back to me and attachments outlining the $2,500 fee to the PA State Attorney’s Office.  Not sure if they’ll take any action but at least they will know if others do the same.

  • I received one for Clark County, NV.  You say the California Bar wants to know about Californians – do you know if the Nevada Bar is also wanting responses?

  • I received one for Clark County, NV.  You say the California Bar wants to know about Californians – do you know if the Nevada Bar is also wanting responses?

      • I GOT ONE FROM SNOHOMISH CO, WASHINGTON.  FWL-1020 RESPONSE REQUIRED. LITIGATION SETTLEMENT VS COUNTRYWIDE HOME LONES INC. NOTICE TYPE,LIGIGATION NOTIFICATION, PRINCIPAL, BOID TRUST DEED NOTE, status, eligible pending form H-118 says to call 1-877-454-7503 for more details refere to file # FWL-1020. from what I have been reading from u and others I can trust that this is one big SCAM thank gog for the internet !!! let me know fom anyone who has any futher info.
        Thanks, Debbie
        [email protected]

  • The best and most complete accounting of what is going on was contained in a recent court filing. You can read it here.

    I would invite you to consult with a local attorney licensed in your state for a legal opinion on your case. I could not comment on that.

  • This is getting Crazy with these scammers.
    I have a question that I and some others need answered. If anyone has positive proof.
    I joined in the Ronald BoA Mass Joinder at the beginning of this year along with 3 of my friends. We were all sent Stein retainers from a Kramer Agent who is an attorney in CA. We do not live in CA.
    We still do not know if we have been added to the suit. Trying to find out seems impossible.
    We think we may have been scammed.
    Is there any proof that Kramer had an official agreement with Stein that Kramer could and had the authority to send out Stein retainers from Dec. 2010 thru mid January 2011? All we have been able to find is a supposed statement from Stein dated in March, I believe, and don’t know if that statement was directed at these “Mailers” only or if it was directed at all marketing. And if it was a true statement made by Stein.
    We joined before all of this “mailer” scam seemed to show up.
    It would be of great help to us if we can get this ? answered.
    If we were scammed we will be trying to get our money back somehow. TY

  • This is getting Crazy with these scammers.
    I have a question that I and some others need answered. If anyone has positive proof.
    I joined in the Ronald BoA Mass Joinder at the beginning of this year along with 3 of my friends. We were all sent Stein retainers from a Kramer Agent who is an attorney in CA. We do not live in CA.
    We still do not know if we have been added to the suit. Trying to find out seems impossible.
    We think we may have been scammed.
    Is there any proof that Kramer had an official agreement with Stein that Kramer could and had the authority to send out Stein retainers from Dec. 2010 thru mid January 2011? All we have been able to find is a supposed statement from Stein dated in March, I believe, and don’t know if that statement was directed at these “Mailers” only or if it was directed at all marketing. And if it was a true statement made by Stein.
    We joined before all of this “mailer” scam seemed to show up.
    It would be of great help to us if we can get this ? answered.
    If we were scammed we will be trying to get our money back somehow. TY

    • The best and most complete accounting of what is going on was contained in a recent court filing. You can read it here.

      I would invite you to consult with a local attorney licensed in your state for a legal opinion on your case. I could not comment on that.

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