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 Name: HOMEOWNER DEFENSE GROUP LLC
Entity Number: 201116510299
Date Filed: 06/14/2011
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
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.
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.
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.