I have received multiple solicitations and when I called this company the first time, they were called a different name and had a different location. The next time I called them, they were a different company with the same employees. I see they aren’t highly rated on the BBB with lots of complaints. I tried asking if I could speak to the attorney, but they refused. However they do seem very friendly. And it looks like a lot of people are experiencing the same as I am.
SCAM ALERT! Is Apex Members and William D. Goodrich related to each other? Are they a SCAM?
Renee
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I am fairly confident that their entire business is a fraud. They take up front fees (which is illegal, unless you hide it as lawyer retainer fees, which is what they do), also they misrepresent several facts.. for example, you DO NOT need a lawyer to re-negotiate your mortgage with your lender, you can do that yourself. Also, there have been several customers who have reported this as a scam- indicating that once they send the upfront fee, the company ignores them and does not get back to them. In most of these instances, APEX Members does not even reach out to your lender. BE CAREFUL!
There are only two ways to get a loan modification. One, is to contact your lender and slog through the paperwork and interviews and denials until you succeed or realize it can’t be done.
The second way is to contact a HUD certified housing counseling agency and let them help you slog through the paperwork and interviews and denials until you succeed or realize it can’t be done. Neither of these two approaches requires the payment of fees.
In general, I would describe any service that requires a payment before settlement as a likely scam. But it doesn’t really matter because these services are unnecessary. You should not need an attorney for this activity and you shouldn’t have to join a club.
By the way, nice job in checking with the Better Business Bureau and asking this question. You probably saved yourself thousands of dollars.
Good Luck!
Have to disagree here.
There are attorneys who can assist consumers with home retention. Not the type that sell mass joinder and the like. Just good old fashioned lawyer-ing. They do charge fees however.
I do agree that solo efforts at mods are a slog and a commitment of time that most people cannot appreciate until they take that path.
HUD approved counseling is a step, but they are not getting high percentage results that I have read reports on. If there is data that says different please post it.
An attorney will hit leverage points that counselors do not to my knowledge.