I was unfairly fired in July 2008, which ended my 36 year career as an xray tech, since I could not get reemployed in my profession, or be hired into any job at all, for that matter. I have been struggling to keep my house ever since. HSBC is my mortgage holder, unfortunately. I got a loan mod from HSBC in October 2011, but it was minimal, reducing my payments from $1684 to $1496, interest from 6.5% to 5.25%. HSBC does not do permanent modifications, only “trial’ ones, which multiple HSBC employees have told me when I talked to them about my situation. After a 2010 suicide attempt, I now have disability income, but my mortgage takes up 70% of my income. I am highly motivated to keep my house since I have been unable to find rental property I can take my three rescue dogs into. These dogs have various behavior problems, and were each rescued from death, and if surrendered would be euthanized because of these problems, including bit histories. These dogs are my children, since I never had human children, and are truly therapy dogs, so this option is simply not acceptable.
Today, 2-29-12, I got an email from a company giving a phone number of a law firm which could help with mortgage problems. I called the number and spoke to an individual identifying his law firm as Consumer Defense Attorneys.com. I spoke to him at length (almost an hour) and he said their firm could help, and he would email me an agreement to sign. This agreement would be for representation with a $1000 retainer and a $500 per month charge until the situation was addressed and a permanent modification was obtained, which he said would take no more than 5 months.. I had paid a California attorney to do this in 2009, and they had to give up after 7 months, telling me HSBC simply did not do permanent modifications, and they refunded me my $3000. I have since spoken to dozens of different attorneys and loan mod companies who all tell me that HSBC simply is impossible to deal with, and since my loan is not Fannie Mae, Freddie Mac or FHA, and HSBC did not get TARP money, I am basically screwed, since my credit is too bad and my income too low to refinance.
What this individual told me today that really frightened me was that I had to give him my bank routing and account information before he sent me the agreement! I told him that what he was doing was a very hard sell tactic, and that I needed time to think about it. I had checked out the website, www.consumerdefenseattorneys.com when he had me on hold, and saw a very familiar website. I had responded to a TV ad from Homeowners Defense Network, and was routed to a law firm called Consumer Attorney Services. com. I spoke to a paralegal last Friday 2-24-12, who gave me their website, took my information and said he would call me, but he never did. The website for his firm, www.consumerattorneyservices.com listed the exact same attorneys, the main one being Brenda McCann, and when I did a search for her name no results came up except in connection with Charles Manson, and some rock group. When my guy came back from putting me on hold, I asked him about the identical websites, and he said they were an affiliate, and kept pressuring me to give my bank information NOW, that he was a good guy working for a law firm, and that I had called him because I needed help. I finally refused to give my bank information, and ended the call.
I believe that both companies are scams perpetrated by the same individual, especially since the individual I talked to today 2-29-12, assured me he was honest and not a scam, but I had to do this TODAY, period. Do you have any information about either website? Should these people be reported to someone? I couldn’t find either law firm mentioned in the list of complaints I could access, but I wanted to address my concerns to you anyway. Thank you for your time and hard work providing good quality information for the average consumer who needs help making good quality decisions.