I’m a single mother of 3 children (12yrs, 5yrs & 9 mths). I lost my job in the recession and recently divorced.
Due to financial circumstances my home went into the foreclosure process. My mtg company denied me 3 times for a loan re-modification.
I was contacted by National Advocacy Law Center promising me that they would be able to get me a loan re-modification based on their different approaches like litigation or ADR they used on mtg companies.
I explained several times that I’m on very limited income and I couldn’t afford to pay them any money if I wasn’t going to be guaranteed a re-mod from it. They assured me several times verbally & in their “Client Welcome Pack” they emailed me that they would get results and me and my 3 children would be able to remain in the only home they’ve ever known.
Carlos Molendez (case manager), explained to me that I would need to send them $2000, the cost of their fee, before they could begin any kind of “stopping the foreclosure process” for my home(on by behalf).
I borrowed and scraped up my last dime to pay them in installments= $600 Beg.of Nov. & $1400 end of Nov.; and $500 Beg.of Dec. 2012 & 1500 end of Dec.2012. The kids didn’t get any Xmas presents from me because Nation Advocacy Law Center wiped out ALL of my money.
Now that they have my money, the phone calls have stopped and they haven’t done ANYTHING for the money. They have not tried to get a loan modification, or any other type of program in regards to helping homeowners avoid foreclosure.
They also have not done any kind of negotiating or scare tactic process with my mortgage company as they stated would be done in their “Welcome Package”. The sale date was approaching (Dec 27, 2012), and I kept calling them, and calling, leaving message after message.
I also sent numerous emails to Carlos Molendez and Dan Lake and also to their Processing Dept., explaining how much of a panic I was in regarding the sale date for my home being so close, and how nobody has called me back to inform me of whether or not they had put a stop on the sale of my home. It wasn’t until the DAY BEFORE THE SALE DATE, that someone called me back, telling me that they were not able to get a re-mod because I am not employed with a job, and then National Advocacy Law Center suggested that I file an Emergency Bankruptcy Petition with there law Franklin Barilla that day to stop the sale from happening tomorrow!
So I was forced to rush down and file an emergency Chapter 13 Bankruptcy Petition so that me and my 3 kids wouldn’t be forced out of our house the next day. After filing Bankruptcy, I tried everyday by phone and email to get a hold of anyone attar firm , but they avoided me like the plague.
They currently still will NOT answer my phone calls or any of my emails. My kids and I are basically on borrowed time living in this house since the mortgage company is still denying a loan re-modification, and I don’t have the income to pay every month, the arrears in the Bankruptcy, plus the regular mortgage payment amount combined.
Consumer Advocates knew I was desperate and under pressure to save my house for my kids, and they knew I was barely making it financially, but still preyed upon me to steal my money and not care about my children and myself ending up homeless because of their scam. UPDATE….MY HOME HAS BEEN FORECLOSED!!! Great Job
National Advocacy Law Center you should have told me I did not qualify but instead you stole my money.
I’m so sorry to hear this happened to you. It’s of little comfort now but for anyone reading this post, please read How Not to Get Scammed by a Mortgage Loan Modification Company.
It sounds like it is time for you to follow my guide, How to Try to Get a Refund From a Debt Relief Company.
What state do you live in?
Please post your responses and follow-up messages to me on this in the comments section below.