Debt Articles Mortgage Related

Is National Forensic Group a Scam? – Ralph

A reader sent me the following information on a company called National Forensic Group and wanted to know what I thought.

The company is:

National Forensic Group
208 Glen Cove Road
Old Westbury, NY 11568
Tel: 516 248-4949
Fax: 516-248-9733

State of New York records say the company was incorporated on May 18, 2011, so it appears to be a relatively new company. That’s a concern for me.

State records say the company says it is located at:

NATIONAL FORENSIC GROUP LLC
2550 HEMPSTEAD TURNPIKE
EAST MEADOW, NEW YORK, 11554

The National Forensic Group does not appear to have a public website and from the emails you shared with me is using a gmail account.

I’m concerned how “established” this company really is.

Your contact was by Dimitri Georges who said to you:

“Upon a quick review it seems like there are numerous “violations” on your HUD-1 Settlement Statement which should force the bank to reduce your debt obligations. Apex is only the mortgage co and more than likely they sold the loan. I’ll update you once we review more docs. Thank you-Dimitri”

National Forensic Group is selling you a service to get your mortgage eliminated or reduced. They also claim to be able to get foreclosure cases dismissed. For this alleged service they are charging $2,500 which they claim is fully refundable “if we cannot help you.” But they don’t explain what the definition of help actually is.

What is defined is found in the service agreement you sent. In the short contract they say:

National Forensic Group, LLC (NFG) agrees to utilize its best efforts to settle all associated debt in the attached Debt Relief Application(s) for client and obtain either a Zero “0” balance or reduce the debt/payment by at least twenty (20%) percent. We are not a loan modification company and are not modifying the loan. The process is based upon an audit of the loan and irregularities or illegal acts or violations that may have been made by the lender.

NFG will begin work upon receipt of all documents, signed paperwork and deposit and clearing of the full amount of the application fee. A response will be forwarded no later than 45 days once the above terms are met or your money will be returned if no action has been taken by NFG or if NFG cannot reduce your debt/payment. Payment shall be made as follows:

The sum of Twenty Five Hundred ($2,500.00) Dollars to National Forensic Group, LLC. If there is more than one loan for client, then an additional One Thousand ($1,000.00) Dollars shall apply for each additional loan client offers to NFG. This Contract is for mortgage/debt eradication based upon an audit of the loan documents and possible irregularities and/or violations by the lender. We are NOT a loan modification company. New York law shall apply.

In the event the mortgage eradication is successful and there is a “zero balance” statement from the lender, then WITHIN SIXTY (60) DAYS thereafter, a First (1st) Mortgage will be held by NFG or its assignees of TWENTY (20%) PERCENT OF THE ERADICATED MORTGAGE amount and shall be made and funded at closing. Interest shall be at Six percent (6%) per annum or at clients then prevailing rate, whichever is lower. Client also may choose to obtain conventional financing for the said 20% or utilize other funds to pay the 20% fee.

In the event the existing Mortgage is reduced by at least Fifteen (15%) Percent or more, (but less than a full eradication) then WITHIN SIXTY (60) DAYS thereafter, a Second Mortgage will be held by NFG or its assignees of FIFTEEN (15%) PERCENT OF THE ERADICATED MORTGAGE AMOUNT and shall be made and funded at closing. Interest shall be at Six percent (6%) per annum or at clients then prevailing rate, whichever is lower. Client also may choose to obtain conventional financing for the said 15% or utilize other funds to pay the 15% fee.

National Forensic Group

I’m not commenting as a lawyer, since I am not one. I’m just making observations as someone reading the document you provided.

This contract raises some big concerns for me. First off, it’s deficient and lacks even the basic items to form a valid contact.

Next, there is this clause that you will place a lien on your house if they actually get the results they claim. But there is no statement within what time period they must be obtained. So if your mortgage gets eliminated for some reason five years from now, will they come back and place a lien against your property?

If this company feels confident they can give you the results they claim and if not the fee is fully refundable, then I would suggest you use a third-party escrow service like Escrow.com to place your funds with a third party to be released when they perform the services promised.

Finally, before you do anything, find a local real estate attorney this agreement and get their take on it as well.

If the company feels confident they can perform the services they state they should have no issue with you both placing the funds in escrow and defining a date by which services should be delivered by. If they won’t or can’t that should be a red flag.





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.

17 Comments

  • I have always been a strong advocate of clearing the air regarding issues of reputability. Last year in 2012, Mr. Carlos invited me to meet at a dinner on Vet’s Highway near MacArthur Airport, along with his colleague Agustin F. Barreiro. I have met Mr. Dimitri as well. Both entities have attempted to recruit my services for their business.

    Regarding Mr. Carlos’ statement pertaining to Mr. Dimitri not having any affiliation with National Forensic Group LLC, for the record, Mr. Dimitri has the receipts regarding payment for the National Forensic Group LLC corporate name and corporate creation process.

    Although Mr. Carlos has a legal claim to the NFG name, Mr. Dimitri paid for the corporate creation process to happen. Mr. Dimitri has shown me the financial receipt for that process. So again, to state that Mr. Dimitri has no affiliation is
    incorrect.

    At one point, both of these individuals attempted to form a business partnership. After failure to resolve differences regarding business policies, each person chose to go their separate ways.

    Although Mr. Carlos is quite professional at conducting forensic investigations of mortgages, he should not let his emotions overrule his practicality and reason. In addition, if my name is going to be mentioned in this little mud-slinging game, forgive me if I appear with a hose and pressurized water.

    At present, I have my own company that, upon qualification of client, can reduce mortgages by approximately 80% without a formal forensic investigation or modification. This process does not incur the delays associated with the public court system, which could take 1-3 years to complete. In approximately 4-6 months, our entire process comes to fruition.

    Any clients interested in learning about this process, as well as other debt elimination processes regarding student loans, credit cards, and medical bills, contact my office at their earliest convenience.

    Sincerely,

    John Nicholson
    631-741-1757

  • Greetings Mr. Steve Rhodes
    I am writing to you today about an article that has been brought to my attention. This article was written by you and appears on a website called “GetOutOfDebt.org” From my understanding; the article seems to be based on a letter that you have received from one of your readers. The name of the article is “Is National Forensic Group a scam? – Ralph”
    Well, I would like to begin by introducing myself. My name is Carlos Lozano and I am the true owner of National Forensic Group, LLC. Before I continue, I want to begin by making an apology to your reader “Ralph” (I believe that is his name) for his unfortunate situation and misinformation that he has received from a so called employee or owner of National Forensic Group, LLC. I would also like to make clear that I, my company nor anyone working for me has ever dealt with your reader. Unfortunately, it seems like we have had a situation in which this “Dmitri Georges” has been misrepresenting himself as an owner and/or employee of National Forensic Group, LLC. This scrupulous person has NO affiliation with my company in any way shape or form. He has never and/or will never work with my company in any capacity.  Please advice your reader NOT to conduct any business with this person or anyone else that claims outlandish results like the ones in that contract or letter.  Also I am requesting that you ask your reader to provide me with any and all emails and correspondence that he may have had with this person (Dmitri Georges). It would greatly help us in this fight to stop this individual from misrepresenting our company and possibly scamming and hurting other unsuspecting consumers.
    Below please find some information that I am submitting to you that may help clear this confusion.The address and phone numbers below are NOT our location or contact information:
    National Forensic Group208 Glen Cove RoadOld Westbury, NY 11568Tel: 516 248-4949Fax: 516-248-9733

    For your information, we traced this address and phone numbers to a company called “Post Time Realty” You can validate this information yourself as well. I would like to state that we have zero affiliation
    with this company in any form.  We never even heard of it until recently.

    Our correct information is:
    2550 HEMPSTEAD TURNPIKEEAST MEADOW, NEW YORK, 11554

    This is the incorporation address, which we will be changing soon to our accounting firm’s address for legal correspondence and our physical address is:

    205 Nassau Road
    Roosevelt, NY 11575
    Toll Free: 1.855.NFG.Audits (634.2834)
    Tel: 516.284.1910
    Fax: 516.284.1911
    Website: http://www.NationalForensicGroup.com
    Email: [email protected]

    In closing, I would like to state that our majority of our work is not to retail clients. We primarily work with attorneys and professionals. Additionally we do not provide “DEBT–RELIEF SERVICES” nor do we “ERADICATE MORTGAGES”. We are a professional third –party loan auditing company that mostly services attorneys and professional. So again, I just want to make it extremely clear to please advise your reader(s) not to deal with this person and if they need any information about our company or services that may contact me directly at the numbers that I have provided above.
    I hope that this has help to clear the air. I am also hoping that you can retract any potentially negative or harmful comments about my company from the article or at least clarify the situation and make it extremely clear. I do not want my company to suffer because of some scrupulous individual. We are working on finding this individual and issuing out a ‘cease and desist demand” in regards to National Forensic Group, LLC. We will be taking any legal steps necessary to resolve this matter. Any additional information that your reader can provide to us would be very helpful and greatly appreciated.
    I would also like to extend a line of communication to you. If you have any questions, comments or concerns regarding anything that I have mentioned above or need additional information on my company, please feel free to contact me directly at my person cell phone. 516.250.3439
    Best regards
    Carlos Lozano
    National Forensic Group, LLC

    • Carlos,

      All I can tell you is what the reader sent in.

      The reader sent in a contract that says it is from National Forensic Group, LLC. Everything in my original answer is based on the facts and documentation that were provided.

      I’m happy to correct any error but based on the documentation I was provided the information is accurate.

      If someone else is representing themselves as your company, please share with me the action you’ve taken against them and I’ll be happy to share it with readers. You can do the same by posting an update yourself.

      FYI

      Part of the contract the reader sent in says:

      National Forensic Group, LLC208 Glen Cove RoadOld Westbury, NY 11568Tel: 516 248-4949Fax: 516-248-9733ContractNational Forensic Group, LLC (NFG) agrees to utilize its best efforts to settle all associated debt in the attached Debt Relief Application(s) for client and obtain either a Zero “0” balance or reduce the debt/payment by at least twenty (20%) percent.  We are not a loan modification company and are not modifying the loan.  The process is based upon an audit of the loan and irregularities or illegal acts or violations that may have been made by the lender.  NFG will begin work upon receipt of all documents, signed paperwork and deposit and clearing of the full amount of the application fee.  A response will be forwarded no later than 45 days once the above terms are met or your money will be returned if no action has been taken by NFG or if NFG cannot reduce your debt/payment.  Payment shall be made as follows:  The sum of Twenty Five Hundred ($2,500.00) Dollars to National Forensic Group, LLC.  If there is more than one loan for client, then an additional One Thousand ($1,000.00) Dollars shall apply for each additional loan client offers to NFG.  This Contract is for mortgage/debt eradication based upon an audit of the loan documents and possible irregularities and/or violations by the lender. We are NOT a loan modification company. New York law shall apply.  In the event the mortgage eradication is successful and there is a “zero balance” statement from the lender, then WITHIN SIXTY (60) DAYS thereafter, a First (1st) Mortgage will be held by NFG or its assignees of TWENTY (20%) PERCENT OF THE ERADICATED MORTGAGE amount and shall be made and funded at closing.  Interest shall be at Six percent (6%) per annum or at clients then prevailing rate, whichever is lower.  Client also may choose to obtain conventional financing for the said 20% or utilize other funds to pay the 20% fee.  In the event the existing Mortgage is reduced by at least Fifteen (15%) Percent or more, (but less than a full eradication) then WITHIN SIXTY (60) DAYS thereafter, a Second Mortgage will be held by NFG or its assignees of FIFTEEN (15%) PERCENT OF THE ERADICATED MORTGAGE AMOUNT and shall be made and funded at closing.   Interest shall be at Six percent (6%) per annum or at clients then prevailing rate, whichever is lower.  Client also may choose to obtain conventional financing for the said 15% or utilize other funds to pay the 15% fee.   National Forensic Group Client Signature  Print Client Name

      As far as the address, it also comes back to TAT Mutual Capital, Inc, Class Equities Corp First,  National Forensic Group (see attached image), Tristate Planning & Engineering, Montanez & Associates, First Quest Equity, New York Dinner Coffee Corp, Professional Penny, Inc, and more.

      The story at this point rests with you. If you have someone that is stealing your company identity then the ball is in your court to go after them, not mine.

      At this point, until you resolve the issue with one or more people spoofing your company, consumer will need to exercise extreme caution and be careful to make sure they are not the victims of a similar scammer of your company.

      Please be sure to send in a press release when you take action against the scammer.

      • Oh no Steven; I been visiting this site for the last month or so in search information about Dimitri Georges’ National Forensic Group. I think made a big mistake! My house is in foreclosure, the property is to be auctioned very soon. I paid money. Is Georges forensic group a scam? Is mortgage eradication a legal process in California, is it even possible to do such a thing?   

        • To be honest, when it comes to National Forensic Group I don’t have a clue what is going on or who is telling the truth. If Dimitri is the fake then why can’t the other NLG folks produce proof they’ve gone after him? Was Dimitri an agent of the other NLG? Too many unanswered questions.

          A prudent move until we can get some answers is either for you to bring this post to Dimitri’s attention and ask him to come and comment to clear things up or consider asking him for a refund and consulting with a local real estate attorney who is licensed in your state.

          • Steve
            I think that you missed the point of my post to you. I concur with you on this matter. Tell the whole world not to deal with anyone unless they can verify that person works directly for NFG and do not give cash or money orders of any kind to anyone. Also, do not use any other name accept National Forensic Group, LLC and no other variation of the name. I am sure that these scammers will not be able to collect or cash these checks and money others.
            Yes this is a problem that seems to be growing by the day. For whatever reason, this person and/or people continue to claim that they own and/or work for my company.  I can guarantee that if anyone has made any payments or given any money to anyone not directly affiliated with NFG, they will lose their money because these people are scammers.
            What is happening here for example is if someone started to use your name all over the internet and make claims and such that you have nothing to do with.  Additional, imagine these people collecting money using your name for a scam.  When these people start to realize that they have been scammed, who do you think they are going to try to contact, ME. So I have to stop this now and let everyone know not to give anyone any money. You would be quite upset as I am.
            All I was doing was asking you for a little help in contacting that reader and ask him to contact me direct. That is all.
            Again the strange thing about this is that we do not deal with retail clients. We mainly do business with attorneys and professional.
            I am taking legal action on this matter but unfortunately it is not something that I can release to you or your readers at this time.
            Please keep me in the loop if you receive any additional information. As before I asked you if you can please forward my information to your reader and ask him to please contact me directly
            Thank you
            Best Regards
            Carlos F Lozano
            President
            National Forensic Group, LLC

          • In reply to your questions. I have recently found all this out. I am talking about a few days ago when i first posted my initial letter. Yes we are going after him and anyone else involved. I would like to know if anyone else has done business with them or pay any money.  I have meet with my attorneys on this matter and i have been adviced not to go into detail on this case that we are starting to building. I would like to extend to anyone that has dealt with these people to please contact me directly at 516.284.1910 x 705 This is my extension directly and i would be happy to speak with you.
            Thank you
            Carlos Lozano
            National Gorensic Group, LLC

        • Please contact me at ASAP.
          My name is Carlos Lozano and i am the president of NFG. This other person is a scammer and has stolen your money and misrepresented my company to you. They are NOT affiliated with me or NFG in any way shape or form
          Carlos Lozano 516.284.1910 x 705 this is my direct extension
          Please call me

  • Steve — My name is John Nicholson, modification specialist for National Forensic Group. I would like to know what prompted you to give my company negative press. Perhaps you should post a few of our testimonials from our clients that have obtained substantial results going through our program. I would like to know how you heard about us, and again, what prompted you to post negative information about our company. Please contact me at your earliest convenience. Sincerely — John Nicholson 631/741-1757

    • If you want to know how I heard about you, all you need do is read the post. As it says, a reader sent the information in.

      Why not just answer the questions raised? Wouldn’t that give the public a greater confidence in your services?

      It appears my suggestion to the reader was to get a second opinion and ask to have the funds placed in escrow until the work was completed. Certainly you can’t have an objection to that commonsense advice. Or do you?

    • Steve never fixes the site or redacts anything he has written right or wrong.  Follow him post and come out smelling like a Rose.  Post the success stories of your clients.

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