Is Home Remedy Center, Affiliated with Prudent Law Group, a Scam? – Alana

“Dear Steve,

I own a home and have a jumbo loan (over 700K) with 6.5% interest with Wells Fargo, and loan is with a private lender, not a Fanny Mae or Freddie Mac loan.

Wells Fargo refused modifying the loan or reduce theinterest. We are current on payments. I was contact by Home Remedy Center, affiliated with Prudent Law Group, attorney Pamela Gressier, stating that they can get my mortgage modified.

They requested all my information, loan doc, taxes, income, etc to see if Iqualify for a modification.

They claim that there is government money available for homeowners such as myself for modification to interest rates avaiable today, that would be much lower than what I am paying now.

They also claim that banks have violated laws which is why this government money is available and guidelines that would enforce our bank to modify our loan.

This is all guaranteed by the law firm, Prudent Law Group, Pamela Gressier in california. I am skeptical and aw are that there has been a lot of fraud and homeowners have been scammed out of money in hopes of lowering their monthly payments.

I have attempted to refinance with our bank however, due to the value of our home being equal to the loan amount (and not 80%) , we were rejected by our bank for a refinance. We are still trying to find a way to lower our interest rate however do not want to fall into the hands of a scam.

Is this law group, Home Remedy Center, affiliated with the Prudent Law Group, Pamela Gresssier, legitimate? If they approve our situation and feel they can modify our loan, they require anywhere from $3000.00 – $5000.00 upfront to proceed with the modification.


Dear Alana,

I don’t know what your definition of a scam is so I can’t specifically answer that question.

But what I can say is that it appears you are getting a sales job by a salesperson. I don’t know what state you live in but unless the company is licensed to practice law in your state or has connected you with a lawyer who is licensed in your state then you may not be able to represent you are your attorney.

See also  Prudent Law Group - Consumer Complaint - 9-27-2012

Before you leap for any sales pitch when it comes to mortgage modification you need to be aware of several things.

Drive CarefullyFirst, there is no requirement for any lender to modify any mortgage if they don’t want to.

Second, you can talk to a government subsidized HUD Housing Counselor for free to discuss what your options are and what programs your lenders might qualify you for.

Third, there is this thing called the Mortgage Assistance Relief Services Rule that the Federal Trade Commission put out warning consumers to not pay for services in advance.

Finally, there are things you can do yourself. See the list of free resources below.

If you decide you don’t want to deal with this situation yourself and you are willing to gamble on hiring someone else to do it for you then I would recommend that anyone considering using such a company should read the following free 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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See also  Prudent Law Group - Consumer Complaint - 9-25-2012

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