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I Am Afraid the the National Advocacy Program is a Scam? – Shelley

Written by Steve Rhode

“Dear Steve,

I have been trying to get Bank of America to work with me for three years on a modification. I have had no luck.

I came across a company that goes by the name; National Advocacy Program. They told me I qualifiy for their help at a cost of $3,500. I have tried to get som information about them and I am afraid it is a scam. Do you know anything about them?


Dear Shelley,

After looking at their site my initial reaction is I would label the sales pitch as questionable.

First off you attached a refund addendum with your question. It seems to violate the federal rule on advance fees for mortgage assistance under the FTC Mortgage Assistance Relief Services (MARS) rule. Under that rule:

It’s illegal to charge upfront fees. You can’t collect money from a customer unless you deliver – and the cus- tomer agrees to – a written offer of mortgage relief from the customer’s lender or servicer. – Source

Here is what the document you sent in says:

This addendum to the contract between (client) _ _______________________________________, and National Advocacy Program dated on, _______________ is to guarantee that the client will receive a full refund of the amount client has paid, minus the hard cost of $700. If the client does not get permission from the lender to move forward with submitting their paper work for the processing of the modification, National Advocacy Program will ask the client for a couple more weeks to work on sending out more complaints to get the clients bank, and executive’s office to respond. If for any reason the client’s bank does not contact the client, or National Advocacy Program to move forward on the clients file, we will make a full refund minus the $700 hard cost.

Once the client has heard from their banks executives office, or if the clients bank contacts National Advocacy Program, and the clients bank request to move the clients file forward, the client will be responsible for making any other payments as agreed upon in the National Advocacy program payment promissory note.

The National Advocacy Program website says, “National Advocacy Program is an organization providing honest and unbiased information to troubled homeowners” but I wonder if they honestly informed you that can’t collect and advance fee or that you should contact a free HUD Housing Counselor for mortgage assistance before forking over $3,500? – Source

See also  Can I Trust the National Advocacy Program to Modify My Mortgage?

But on their home page they say that what they offer is not a loan modification. So what in the world are they assisting you with then?

And then they talk about how they coach you through the process: “As your advocate, we COACH the consumer on how to deal with the bank throughout the communications with the bank and/or agencies and government officials who may contact them and advise them on next steps.” – Source

The company claims to be located at:

National Advocacy Program
250 Fischer Avenue
Costa Mesa, California 92626

According to the California Secretary of State office, there is no company registered to do business in California under the name National Advocacy Program. A really big Red Flag.

The domain name ownership is hidden. Another red flag.

I urge you to follow my two guides to evaluate your choice of any company.

You can look at the related articles section of this post to see what has been written about them in the past. The comments on any relevant post may be enlightening as well.

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


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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.


  • Here is a list of names affiliated with The National Advocacy Program/JD United.Org who scammed me out of my money. Ryan Holland, Natasha Francisco, Maria Delgado, Lisa Harrington, Michael Moore (owner) Whitney Lehman, Malcolm Turner, Gardenia Astudillo, John Zajek, Denny Lake.

  • I was scammed out of $3,999.00 from the National Advocacy. (Ryan Holland) and an affiliate JD (Malcolm Turner) I also have a signed document stating explicitly if National Advocacy does not resolve issues with Bank of America, deposit money will be refunded less $700.00 fee. According to senior advocate Maria Delgado, the refund of my money is under review? That was seven months ago. Now the company has since closed? I want my money back!

  • I too was scammed by the National Advocacy Program $3,999.00 (Mr. Ryan Holland) and JD (Mr. Malcolm Turner) however, I do have a signed document stating explicitly that if no issues are resolved between Advocacy and Bank of America, my money will be refunded to me less a $700.00 fee. According to senior advocate Maria Delgado, the refund of my money is under review? That was seven months ago

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