1/30/2012 8:12 PM (PST)

Monique M., it is against the law in every State, specifically CA, to charge any upfront fees to homeowners seeking mortgage restructuring under a modification application. The reason for this law is in response to the massive amount of fraud committed against homeowners either paying their last dollars to an organization that could NEVER deliver a favorable modification and due to companies providing advice to home owners to intentionally miss mortgage payments and send those funds to secure their service. In most cases, the home owners lost their homes, could not receive refunds and then ruined their credit unnecessarily which made it nearly impossible to rent a residence once they lost their homes. Keep this in mind, if you had excellent credit, sufficient equity and sought a refinance offer the only fees you would incur would be for those costs not allowed under escrow in most cases - the appraisal and the credit report. Neither the Broker nor the loan officer can be compensated until the loan documents are signed and escrow was completed. When you sign the loan documents it means you are agreeable and satisfied with your financing offer. The same is true for modification assistance. Until you sign the agreement which signifies you agree to the changes - you should NEVER pay any funds to a company acting as your advocate for that change. Don't intentionally submit yourself to become a victim of companies that are conducting their business outside the allowances of State and Federal law. Whether you are a home owner in this State (CA) or any other state - a CA company is definitively restricted from taking upfront fees for anything - loan audits, evaluations, modifications, processing fees, Deed in Lieu negotiations, lien settlements, etc. whether owned and operated by an Attorney or Real Estate professional. If you would like a FREE evaluation without any obligation, please call me otherwise good luck in your continued search for assistance. I look forward to speaking with you soon! Dinece Carmichael Trabuco Canyon Realty Specialists Toll Free: 877-557-8747; has voicemail option Fax: 877-701-1033 Email: TrabucoCanyonRealty@gmail.com Office Hours: 6 a.m. to 9 p.m. (Mon-Sun) Website: www.TrabucoCanyonRealtySpecialists.com LINKEDIN SITE: http://www.linkedin.com/pub/dinece-carmichael/39/276/597

1/30/2012 9:46 PM (PST)

RIP OFF REPORT! DO NOT GIVE THESE PEOPLE ANY MONEY, IT'S A SCAM RIP OFF REPORT! DO NOT GIVE THESE PEOPLE ANY MONEY! ONCE THEY GET YOUR MONEY THEY ARE DONE WITH YOU! THEY OFFER A 100% MONEY BACK GUARANTEE. BUT JUST TRY GETTING YOUR MONEY BACK! THEY WILL NOT ANSWER ANY OF YOUR PHONE CALLS. IF YOU HAVE BEEN RIPPED OFF I HIGHLY RECOMEND YOU CONTACT THE ATTORNEY GENERALS OFFICE OF CALIFORNIA AND FILE A FORMAL COMPLAINT. THESE PEOPLE NEED TO BE HELD ACCOUNTABLE FOR WHAT THEY ARE DOING TO PEOPLE. THEY HAVE NO INTEGRITY!I WOULD BE HAPPY TO SHARE MY PERSONAL EXPERIENCE WITH ANYONE WHO IS INTERESTED. I ALSO HAVE EMAIL COMMUNICATION RECORDS TO DOCUMENT ALL FACTS.I AM ALSO FILING A CLAIM IN SMALL CLAIMS COURT TO TRY AND RECOVER THE $1000 I PAID THEM. THEY DID NOTHING ON MY BEHALF OTHER THAN SUBMIT DOCUMENTS THAT I HAD ALREADY SUBMITTED MYSELF PREVIOUSLY.CERTAINLY NOT WORTH THE $1000 THEY TOOK FROM ME. I DELT WITH MICHAEL ANDERSON AND BRIAN MITCHELL BOTH ARE NOTHING MORE THAN CON ARTISTS.DONT BE FOOLED BY THEIR FANCY WEB SITE OR THEIR EMPTY PROMISES. I WOULD ALSO QUESTION THE SOURCE OF ALL THE POSITIVE REVIEWS ON THIS WEB SITE OR ANY OTHERS » Bookmark | » Send a Message |

2/1/2012 9:59 PM (PST)

Go to www.ripoffreport.com, it's a great source for checking out a company's track record!