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Home > Ask The Get Out of Debt Experts > Is Legal Aid Service a Real Company to Charge Me for a Loan Modification? – Carlos

Is Legal Aid Service a Real Company to Charge Me for a Loan Modification? – Carlos

“Dear Steve,

I received a letter from my bank and when I called in, the people who answers the phone were not my bank. They wanted my documents so I sent them in. Later on I found out that they are a company named legal aid service and the attorney is a man by the name of Floyd Belsito. The people there ask for $4000 dollars to work on a loan modification but I am concerned to pay them. Is this a legit company or a scam. They also want me to enroll to pay of my debt in another prgram. Website is

Is Legal Aid Service company in Santa Ana a real company?


Dear Carlos,

These type of situations always concern me. Apparently what you received was an advertisement that looked like an official document. You first have to realize they are trying to sell you something if they mailed to you.

Under the Mortgage Assistance Relief Services rule it is illegal for people to be charged in advance for mortgage related help. Some attorneys think they have a loophole and don’t feel that Federal Trade Commission rule applies to them.

I went and took a look at the website you mentioned.

Screen Shot 2013-01-29 at 1.03.27 PM

I was surprised to not find the State Bar of California required advertising disclosures on the site.

While the site says Belsito is the attorney behind the site, I’ve seen so many of these sites promising help only to find an attorney that is dumb enough to associate their name with it so they can get away with charging advance fees. Even California has their own law about this.

The site doesn’t even list their office location and their contact page has gibberish text on it. They didn’t even bother to replace the placeholder text when they threw up their website.

Screen Shot 2013-01-29 at 1.06.58 PM

If this is the type of attention to detail the attorney has, God help you.

The domain name has a hidden ownership. There is no way to know if the website is even owned by an attorney.

The State of California has no company that is registered to do business under the name Legal Aid Service.

As far as attorney Belsito goes, according to The State Bar of California he is located at:

1525 E 17th St #K
Santa Ana, CA 92705

This is what Google Maps reports as the street image for that address.

Screen Shot 2013-01-29 at 1.16.42 PM

Based on what I found in my short look into the company I would suggest you not only follow my guides below before using them but also speak to a free HUD Housing Counselor to get advice about the specific programs your lender offers for modification. There is no charge to you for that service.

  1. The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
  2. 10 Must Do Steps to Find the Best Credit Counseling or Debt Settlement Company for You
  3. 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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About Steve Rhode

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.
  • Manuel

    Hi Steve,

    I wish I’d found this post earlier. But Legal Aid Services has been helping me with my loan mod. Suddenly today, I can’t get through to them. All of the numbers I have for them are out of service. Is there a way to find out if they have been shutdown? Or maybe their phone lines went down today?

    If they’ve shutdown, I need to act quickly.

    Thanks for any help

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