America’s Advocacy Law Group Wants Me to Pay Money Upfront for Mortgage Help. – Doug

“Dear Steve,

I was reviewing loan mod companies this morning I was speaking to a group in Fullerton California called America’s Advocacy law group I researched then and I notice they are located in Florida. Now I had been speaking with a person name Chris Isicsa who was my intake specialist and he was wanting me to sign there service contract and a retainer. Well the service contract was for a different company based in Orange California and a law firm Florida wanted a retainer ?? Very odd they ask I make the first payment for my ADR file to Americas consumer advocacy group then the law firm takes over from there I’m not feeling good about this.

On Tuesday I received a call from Denny Lake he was my Case specialist assigned to my file and wanted to know if we paid our 1st 2000.00 so he could conduct our lender abuse investigation ??? This was a red flag Steve what are your thoughts on this type of service I feel it’s very awkward and I’m not moving forward until we hear from you.


Dear Doug,

I don’t know what is going on but all of a sudden questions involving Denny Lake have come out of the woodwork.

I was not able to locate a company called America’s Advocacy Law Group and you did not share with me the name of the company in Florida so I’m unable to research it further.

In general though, it is illegal for companies to charge you in advance for mortgage relief services. See the FTC Mortgage Assistance Relief Services Rules known as the MARS Rule.

There are also free services you can check with first regarding mortgage help. The government provides these services free of charge through local HUD Housing Counselors.

You can also consult with a local real estate attorney that is licensed in your state to discuss your particular solution.

See also  Core Advisory Group Lost in a Meltdown

As you can see there are some good options before you part with your hard earned cash. Do some homework here and legwork and you might find that either the company is not right for you or through education you’ll learn you are willing to buy what they are selling.

I suspect the name of the company you gave me should actually be America’s Consumer Advocacy Group but that’s an assumption on my part.

If the situation is as you describe it does raise some red flags in that it sounds very similar to an front marketing group collecting a fee and then sending you to a law firm. That would be very problematic.

I would recommend that anyone considering using such a company should read the following fee guides.

  1. The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
  2. How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off

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


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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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