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Homeowner Defense Group and What You Need to Know About Them

By on August 27, 2011
Homeowner Defense Group and What You Need to Know About Them

I’ve noticed more questions recently about a company called Homeowner Defense Group so I thought I’d take a look for Janette and Justice. Frankly, some of the comments I’ve seen posted about them seem, well, planted.

Homeowner Defense Group

Let’s start with the domain name:

Registered June 7, 2011 and only for one year. This typically represents companies that may be hit and run. Not planning to stick around by only registering their domain for the shortest period of time.

The owner of the domain is listed as:

Home Owner Defence Group LLC
7119 W. Sunset Blvd
Los Angeles, California 90046

Interesting how they did not get their name right on their own registration.

Homeowner Defense Group, LLC

The State of California registration on this company says:

Entity Number: 201116510299
Date Filed: 06/14/2011
Status: ACTIVE
Jurisdiction: CALIFORNIA
Entity Address: 7119 W SUNSET BLVD STE 497
Entity City, State, Zip: LOS ANGELES CA 90046
Agent for Service of Process: TOBIAS WEST
Agent Address: 7119 W SUNSET BLVD STE 497
Agent City, State, Zip: LOS ANGELES CA 90046

The address listed is a mail drop here or here.

This company lists their office address as:

Homeowner Defense Group
9107 Wilshire Blvd 4th Floor
Beverly Hills, CA 90210
877-215-2882 – Source

While they claim to occupy the entire fourth floor I could find no listing for them. Instead what I did find was a listing for a virtual office on that floor, the Beverly Hills Executive Center. – Source

Homeowner Defense Group Not Registered

According to the California Attorney General website, Homeowner Defense Group is NOT a registered foreclosure consultant.

According to the site.

You should not do business with a foreclosure consultant who does not have a Certificate of Registration because this person should not be doing business as a foreclosure consultant at all.

If you have paid Homeowner Defense Group any money for loan modification services, you should file a complaint with the California Attorney General online here.

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More Warnings

Last year the California Attorney General warned that consumers should avoid companies that sell forensic loan audits.

“Forensic loan audits are yet another phony foreclosure-relief service hawked by loan-modification consultants trying to cash in on the desperation of homeowners facing foreclosure,” Brown said. “The foreclosure-relief industry continues to be long on promises, but short on results.” – Source

Yet this appears to be the bulk of what Homeowner Defense Group is selling and they even list it as the first step they must complete. – Source

On top of this, Homeowner Defense Group is also promoting what they call “Attorney Loan Modification” (source) but is in essence the same mass joinder scheme that was raided and shutdown recently by law enforcement. See California AG Speaks Out on Mass Joinder & Tort Litigation Raids.

The company even claims these actions can stop foreclosures and cause the lender to void the mortgage. These claims are flat out false.

Kennin Spivak, one of the lawyers that is involved in litigation they cite, Ronald v. Bank of America, even says their claims are lies:

Let me be very clear: joinder cases are not about emergency relief. They won’t stop a foreclosure, or get a house back. Except as the result of a settlement (which are few and far between), they won’t result in a loan modification. – Source

Homeowner Defense Group even says that part of their process is to send “998 Offer and Compromise” but that is stated in the suit against other firms offering similar advice is:

Part of the sales pitch was that once consumers paid thousands to join the lawsuits their lender would be sent a “998 demand process” in which the firm would demand a reduction in principal balance, a 2% interest rate, a 40-year term, full reconveyance of the property, and $75,000 in punitive damages. What consumers are not told is that prior demands were not accepted and there is no evidence that any lender would accept such demands. – Source

I’ve Seen Enough

My assessment of this company is based on all the factors I’ve laid out above.

READ  FTC Brings Action Against Debt Relief Operation that Targeted Financially Distressed Homeowners and Student Loan Borrowers

Because the company has not been in existence long enough to modify any substantial mortgages, they hide behind anonymity, don’t disclose their physical address staff works out of, they are not registered foreclosure consultants with the State of California, and their website is making some of the various claims for products and services that the State of California has already issued warnings about, my advice is to RUN AWAY.

Homeowner Defense Group Site Archive

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About 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.


  1. Stanley M Joiner

    April 5, 2014 at 11:06 pm


    Thank you for posting this. Just so you know, Scott Harrison is really Tobias West. He has been bouncing around Los Angeles opening and closing loan modification shops all over the city. Once a client or 2 catches on he closes shop and starts all over again. If you go to ripoffreport and type in Tobias West every company he’s owned pops up. What a surprise right? I would know he scammed me out of $2495.00 and told me not to make my mortgage payment so i could get a lower interest rate. Dont believe me yet? Talk to Patty Frausto. Her email address is guarantee she and 30+ victims have plenty to tell you!

    Please help us,

    Stanly M Joiner

  2. Glenm1222

    May 21, 2012 at 2:26 pm

    shes a squirter.

  3. Glenm 1222

    May 21, 2012 at 2:24 pm

    Oh…and Scott H….I’ve been sleeping with your wife for 3 months now…just thought you may want to know.

  4. Edgar Poe1967

    May 21, 2012 at 2:23 pm

    thankyou steve…..these guys are even on t.v. way out here in n.j.. so, they are making some money..(advertising is expensive). they are the biggest scammers and phonies and sinners…they prey on desperation….God will see to them!

  5. LP

    February 29, 2012 at 9:55 am

    Hi Steve – I just received a letter from a group calling themselves “HomeOwner Justice Group” – it sounds like what you have outlined above. I was researching them to see if they are genuine – and came across your article. Thank you for the research you’ve done!  Today, we have to be more careful than ever!  If I cannot find a legit website about anyone (I’m also job hunting) – then I just go on the assumption it’s a scam.  Anyway, thank you for the research you did on this group – you may have saved many people from making a horrible mistake!

  6. Ella

    February 15, 2012 at 12:30 am

    If Homeowner Defense is a scam, why hasn’t it been shutdown?  Especially when it has been investigated for not a true representation for homeowners defense for loss of home?  The economy is in grave shape and we need valid representation without taking us to the cleaner? Signed Curious in NY..

  7. Scott Harrison

    August 28, 2011 at 4:58 pm

    Dear Steve,

    My name is Scott Harrison, and I’m the managing partner of Homeowner Defense Group LLC. You created a libelous web page about our company that could tarnish our attorney’s reputation. is a Bankruptcy and Foreclosure Relief company. When our attorney files a Bankruptcy for a client that is in default and potentially losing their home in a trustee sale, the Bankruptcy will stop foreclosure for a minimum of 90 days. This is called a stay of execution. Your claims that this firm has only been in business since 2011 are unfounded. Prior to filling an LLC in 2011, this was a sole proprietorship. Our attorneys have looked into your shady past and will be issuing a cease and desist order. If you do not remove the URL /homeowner-defense-group-and-what-you-need-to-know-about-them, the attorney will file a complaint against you for libel, defamation of character, and reckless endangerment. Consider this your first and only warning. I suggest you remove your URL immediately. You do not want to pursue this matter any further. The repercussions will be detrimental to your business and we will prosecute to the fullest extent of the law. 

    Scott Harrison
    Managing Partner
    Homeowner Defense Group LLC

    • Steve Rhode

      August 28, 2011 at 5:08 pm


      First off, since you want to talk about libel, let’s address your libelous comment about my “shady past.” I have nothing shady in my past so let’s talk openly about what you are claiming is shady.

      Next, all my statements and facts are sourced and documented in the article.

      What part of the article is factually not correct. I’d be happy to correct any fact in error.

      If your website is actually a promotion site for an attorney then you should know it appears to be in violation of California Bar advertising guidelines. That’s not going to look so good for the attorney. So who is the attorney that own and runs this company?

      If you read the article I only made a claim the domain name and LLC were recently registered. What name and website did the company operate under prior to June 2011?

      Sue away, but expect a SLAPP suit in return.

    • Steve Rhode

      August 28, 2011 at 7:34 pm

      A commenter on another post just reminded me of something. According to the California Bar if you are operating as a Law Corporation, which you indicate you are when you say, “ is a Bankruptcy and Foreclosure Relief company”, how can you really be?

      A California Bar registered law corporation can’t be an LLC. So if you are not a law corporation and you claim to be a bankruptcy company which is a legal service, then are you fee splitting with a licensed attorney?

      If you are an unregistered law corporation then you can’t be an owner or shareholder unless you are a California licensed attorney. Are you? The California Bar has no attorney licensed to practice under the name Scott Harrison.

      You allude to your staff attorney(s) but your site says the attorney you have a relationship with is Mandip S. Purewal, but it also says Purewal is a member of National Consumer Law Group, and not your firm. You also refer to attorneys in your previous comment, but your site only mentions one attorney. Is it more then one as you claim?

      Purewal is not even associated with your company. According to the California Bar he is associated with:
      National Consumer Law Group
      101 California St Ste 2450
      San Francisco, CA 94111

      Legal Network of America is actually The Purewal Law Group and says they are located at:
      22320 Foothill Blvd, Suite 400
      Hayward, CA 94541

      So how about a little clarity here?

      If you are not a law corporation, you can’t practice law, but claim to be able to be a bankruptcy company that would be misleading, if not flat out fraudulent.

      I checked the State of California site and they don’t have you listed as a registered foreclosure consultant. Why not?

      • Fitz

        August 29, 2011 at 3:47 pm

        Amazing. After reading his post I had my doubts Scott Harrison was a CA lawyer (attorneys don’t issue cease and desist ORDERS, judges do), but its clear he wants to be or at least wants consumers to believe the Homeowner defense group is a law firm. The attempts to blur this rather bright line continues to amaze me. It seems debt settlement, which also necessarily includes legal advice, has spawned a lot of folks who want to redefine legal services. I suppose it was going on long before debt settlement.

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