Can I Trust SC Law Group or Affordable Financial Solutions of America? – Jeff

“Dear Steve,

got behind on mtg payments & other bills, filed chapter 13 last year, but case has not been settled. trustee denies claim & then attorney refiles. all payments are being made to the trustee. mtg payments are also being made. we also have a rental property in the same situation, but has since been rented & mtg payments are also being made. we have been contacted by phone on mtg loan modification companies. SC Law Group being one of them. after reviewing your website they don’t seem very reputable. the other one is Source One Financial associated w/ the Friedman law Group in New York.

can a loan modification to lower interest rate & payments & either relieve back mtg payments or have them put on the back of the loan a reality? or is this a pipe dream? sc law group doesn’t seem to be reputable from the reports on getoutofdebt.org are there any reports on the friedman law group or source one financial? AFSOA.com was link from getoutofdebt.org are they reputable or does the same vetting process apply?


Dear Jeff,

First off, before you run out to do anything you need to talk this over with your bankruptcy attorney. You might also want to take advantage of all the free options you have to modifying your mortgage first since you are already cash strapped.

I think this was the first time I’ve heard about Affordable Financial Solutions of America and a visit to their site made me concerned. One of the big red flags I have is when a debt relief company that is charging fees, does not provide contact information about where they are located.

In checking on their domain name they also have their ownership and location hidden. The domain name, AFSOA.com was only registered in October, 2011 for a period of one year.

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The area code for their fax is 954 which is typically in Florida.

A search of Florida records found an Affordable Financial Solutions of America, LLC located at 330 N. Andrews Ave, #300, Ft. Lauderdale, FL 33301. The company was registered in Florida on February 16, 2012 and is actually a Delaware LLC that was registered on October 20, 2011. The managing member of the LLC is Maria T. Garcia. – Source

Another site lists the owner as Glenn Witmer. – Source

A search of The Florida Bar could not locate either Witmer or Garcia as licensed attorneys in Florida.

If I use the information attached to your email it looks like you live in a specific midwest state. Using that information I checked to see if the company was registered to do business in your state, they are not.

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And then there is an odd occurrence on their site. If you click on the “success stories” tab it actually takes you off their site to a company called Prime Access Management (primeaccessmanagement.com) that claims to be located at 1000 NW St., Suite 1200, Wilmington, Delaware 19801.

A search of Delaware records could not locate a Prime Access Managent that is registered to do business in that state. The Prime Access Management domain name was registered on June 5, 2012.

The link to Primae Access Management is really very odd. Is AFSOA using client testimonials of a company that is not registered to do business to support their claims? I’m sure the Federal Trade Commission would frown on that.

This is only a cursory look at the company. If you’d like to dive deeper, consider reading How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off.

If you go back to AFSOA, I’d be interested if you asked them for their success record. Maybe they will share with you how many clients they’ve enrolled and what the outcomes of all those clients was. Let me know what they say.

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Please post your responses and follow-up messages to me on this in the comments section below.

Damon Day - Pro Debt Coach

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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.
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