To everyone complaining on this thing I don't feel any of your pain. The majority of people here got into a home they couldn't afford whether fraudulently or not. They got arm mortgages and when it adjusted they couldn't afford it. Now I understand you think it was a scam but as an ex employee of the company I can yell you now it wasn't. We did what we could with what you all gave us, and sometimes it was nothing. I can tell you now our success rate was 90 percent, until you all started complaining to the FTC or BBB because it wasn't getting done fast enough. You all needed to understand that because it is a loan MODIFICATION not a REFINANCE it takes more time. Maybe you should have considered making your mortgage payment and not spending money on cars, vacations etc. And don't say you didn't because more often then not we say you all spending money on things you shouldn't have rather then spending money on your home. You need to learn to live within your means and quit asking for help bailing you out!
Posted on 12/11/2009
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recently widowed and about to lose my home i trusted these people to save my home...1500.00 and several months later i am now beyond hope and will lose my home to auction soon..these people are crooks and ive turned them into the ftc..but there is little hope of my money being returned..if u hear these names kathy mercer chris bridwell run! they are liars and frauds..dont let them make you into they next prey..
Posted on 9/4/2009
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These people are a total rip off. From the crooked lawyer president of the company to the scamming telephone goffers that get an electronic check and you never hear from them again.
I was promised a modification in 3 weeks and was taken for $900.00 wehnever I called for an update I was given the run around for 4 months until their phone service stopped working (877-333-6631). I was told not to pay my mortgage as they would be working all past due payments into the loan.
I was tranferred to Kathy Mercer, Vanessa Holland, Kristen Lucas and a Christopher Ortega. Someone should start a class action suit and if there is one please post it on Facebook.
Good luck and stay away from these crooks!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Posted on 7/13/2009
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This company is a SCAM. They told me no whatever they would be able to modify my loan. They jerked me around for 4 months before telling me they could not help me. they told me they would refund my money back. It has been 3 months and I still dont have a refund. Now i'm hearing they were shut down. I have been trying to call all the different phone numbers and e-mails I have but none of them work. I really needed that money in order to pay my mortgage. I dont know what I'm going to do.
Mrs. M
Posted on 7/9/2009
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These people are doing a major DISservice, they take your money up front for a loan modification and then never act as your agent. They do not return phone messages and certainly are not legit
Posted on 6/9/2009
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I started working with FLM January 5th. We attempted to modify a first and second mortgage. They charged us $4200 up front. We were promised by Mr. Kissinger that they would get us a buyout of the second and a principal reduction and rate modificaiton on the 1st. He said they were a group of 50 lawyers tied into he government as well as all the major lenders and servicers. This should be no problem he said and should take less than 90 days but most are complete within 45. We agreed that I would pay half upfront and half when the job was complete. 2 weeks after we started the charged my credit card again for he second half. I complained and they said they would refund the entire amount if they could not do what they said.
During the process, they lost my file, never followed up to see if the lenders actually got their "Package", and dragged their feet due to "Changing programs with the goverment and lenders". We were bounced around from no less than 10 people. Our final person what a man named David Lockwood who was helpful to a point. He did say at one point that my lenders would not deal with me because I was not late on my payments and my interest rate was below 7%. He said foreclosures had priority. He advised becoming late so they would deal with me. We are now 5 months into the process and I've asked for refunds several times. Now I can't raise them on Email or Phone. I found out that the FTC has essesially shut them down. We are working with our lawyers to try and get our money back but we're not holding our breath. Sad thing is $4K rignt now would help get us back on track. We are late on mortgage payements and our credit has been destroyed. I'm attempting to work directly with my servicers and I'm finding them very helpful. Hard lesson to leran that we never needed these people in the first place! Buyer BEWARE!
Posted on 5/29/2009
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This company has taken $1,499.00 from me to negociate with my mortgage company to possibly lower my payments. They do not return phone calls, when you call them all you get is voice commends that go around in a loop, and you get no where. I have been trying for months for a phone call!! They have done NOTHING and I will proceed to do what I have to, to get my money back. I don't even think this is a real orginazation/company!!!
Posted on 5/27/2009
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The company promised to help me remodify my mortgage, however, they needed the money up front which was paid to them and they have done nothing since and that has been 4 months ago. I cannot get through to anyone and if I do I get "someone will call you back" and they never do. This business is a complete scam in my opinion and they will not return my money as promised in the contract that was signed. I have been filing complaints with various Departments in hopes that they will not be able to take advantage of anyone else.
Posted on 5/27/2009
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My husband and I also got scammed by this company. The people we talked to included a Lisa Brittain, Bonique Edwards, Anthony Gonzalez, and the list goes on. Everytime we called to get up dates, we recieved the run around. We have been trying since the beginning of this year to get back close to 4,000.00 from this company poising as lawyers. I see that the BBB has given this company an F rating. It's took bad that such companies are allowed to continuously defraud comsumers who need help. These people are preying on deperate people and our fine country can't seem to do anything about it.
Posted on 5/26/2009
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I got the same bs as everyone else. I went through two representatives at this company. The first one was Andrew Hall. When I called back for Andrew I was given the line that he "no longer was employed with the company." My case then went to a lady named Edie. All the while I am being fed the line of crap that my loan is being worked on and things are still "pending". My case was then transferred to Rob Goldman, who requested additonal pay stubs and bank statements. After phone calls and further inquiry, I find that my case is now with David Akiva. And, as of last week, I see the entire business has been shut down and/or their assets frozen. DO NOT USE THIS COMPANY OR ASSOCIATE WITH THEM IN ANY WAY! They will only take your money, give you the run-around, do nothing for you, and leave you potentially worse off than you were before. If you are truly in desperate need of financial relief like I was, use a reputable non-profit like Consumer Credit Counseling or a legitimate Federal Agency. Better yet, contact your lender directly and exhaust all your options directly with your mortage company. Do your research and it will pay off. THIS COMPANY IS NOTHING BUT A SHAM! These people make me sick and they deserve to ROT!
Posted on 5/19/2009
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Sounds like a SCAM to me.....I am currently trying to get a refund ($4200) from these guys, and have'nt heard from them after repeated phone calls and e mails. I hope i hear from them soon or I will acquire my own representation to get my $ back. It seems like there is always a company, or a group of people that like to take advantage of people for their own greed. CARMA!!!!!
Posted on 5/19/2009
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This company has misrepresented itself in what it promised to deliver. To make matters worse, they gave advice to have us deliberately miss mortgage payments saying that we could afford to pay them by missing a payment or two. In addition, they refuse to return repeated phone calls and inquiries. They have all contact information for me and have yet to do so. Apparantly this company is a sham and is not to be trusted. I only wish I had seen this site before dealing with them. I will be submitting a request for a refund.
Posted on 5/15/2009
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BEWARE!!!! This company is a total scam!! I paid them $4200.00 in January 2009 - to date, I've rec'd nothing but "be patient, we should hear something very soon" in return!! It's interesting that you cannot get in touch with anyone - all phone calls go directly to a recording requesting you leave a voice mail with a promise of someone calling you back!!!! DON'T WASTE YOUR TIME OR MONEY!!! The only time you hear anything from them is when they call to tell you they are debiting money from your account. I have submitted complaints to the Attorney General's office in both California and Arizona (I live in Tucson) and I will continue to do whatever it takes to close this place down!!! I'm afraid my $4200.00 is gone BUT hopefully this post will help others. Deal directly with your lender - I finally ended up doing this and was able to get both my mortgages modified (relatively eady process after the stimulus bill was in place).
Posted on 5/8/2009
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In the month of January 09 against my better wishes, my wife contacted The Federal Loan Modification Fake Scam Business to see about getting help for our Mortgage problems. I had recently lost my job as a Counselor due to the facility where I was working at closed down. On 19 Jan 09 my wife paid a sum of $500.00 (a 1/2 payment) that was drawn directly from her bank account. On 3 Feb 09 a second withdrawal from wife account of $500.00 (other 1/2 of payment = $1000.00) was taken before they would start allegedly doing any work. All the while we were waiting for our Mortgage Company to be contacted in order to work out our Mortgage Problems. Only 1 phone was stated to have been made by Federal Loan Modification. We were never contacted even though Federal Loan Modification had both of our phone numbers. After a long period of not hearing from anyone from Federal Loan Modification, my wife contacted and talked with a female that told her nothing could be done to help us and that we could speak with a Jewell McDonald. When my wife finally spoke with a Jewell McDonald our house was sold on the court steps the next day. Jewell McDonald told my wife that we would receive a full refund. We were told that a Brian Sackett would handle all our needs to make sure we got our $1000.00 dollars back. This is the email I received from Brian Sackett: Dear Mr Hemmans:
Please sign and return as quickly as possible. I'm sorry for the delay in your refund, but trust that we are doing everything we can to expedite yours and all refunds. We ask and hope for your patience in this matter and you may reach me at the number below to request a status.
Thanks,
Brian K Sackett
(877) 333-6631 (ext 5972)
(949) 333-5771 (fax)
That same day I paid around $14.00 to have all our information fax that they stated that they needed but should have had already. I was told by Brian Sackett that they would send our payment in one of 2 ways, either overnight (Federal Express) and that they would call the day before to be delivered or they would mail a check to us and call us to inform us that the check had been mailed. I asked Brian Sackett since $1000.00 had been taken from my wife bank account in 2 payments, why could they not redeposit our money? Brian Sackett stated if they were to send our money back in that way, it would take 4-5 business days for the transfer to be made to her account. I contacted Brian Sackett several days later to fairly give them time to process our information. I called Brian Sackett that Thursday and he stated he did not know what I was talking about and could not recall. I told Brian Sackett we were on speaker phone the whole time I was trying to fax our information from Mail Box Etc., we had a fax receipt and how could he not remember that we had multiple problems through Federal Loan Modification for our fax to finally make it through their efax system. Brian Sackett stated he got the fax through a fellow female employee. After a extended period of time, Brian Sackett stated he had found our information. This is another email I received from Brian Sackett (Good Morning Mr. Hemmans:
As of Friday 3-13-09, I am no longer in that department. Please stay in contact with Michelle Morrow at (949) 333-5770 as it relates to the status of your refund. I wish you and your family well in your future endeavors and hope that I was at least somewhat infuential in resolving your matter with us. It was a pleasure to serve you.
Thanks again,
Brian
Brian Sackett had stated it would take 30 days then 45 days then 30 days to receive our refund and not to call because they had to complete their process. Also Brian Sackett pleaded with me not to report Federal Loan Modification because they had already received 25 complaints against them and could not afford anymore. Brian Sackett stated that we would receive our money back ($1000.00) and that we need not worry about filing a complaint. My wife and I waited until 10 Apr 09 to receive our refund. Why? Michelle Morrow who Brian Sackett said was in charge of our refund promised us that we would receive our check refund of $1000.00 by then. On 10 Apr 09, no check came. I tried to call Michelle Morrow for a month, no contact, numerous messages were left by me, I called Customer Service, no answer or return phone calls. But ironically when I called intake for business, they readily answered the phones. I would call intake for business to try and make contact with anybody. I left several messages for a Bill Antz (the owner), no return phone calls. I called intake for business again and asked them, "How are you taking incoming business and I have seen online that numerous people have filed complaints against you?" That Friday night a mysterious person claiming to be a concerned staff who gave his name as Allen Whit called stated we would get our money back. When I finally contacted Michelle Morrow, she stated "NO ONE WILL BE GETTING ANY REFUNDS AND OUR LAWYERS WILL BE IN CONTACT WITH YOU". Then Michelle Morrow hung up the phone on me, I expressed this blatant disregard, lie and scam to this person named Allen Whit. Allen Whit told me and my wife that he would be in contact with us by next week. I did not hear back from a Allen Whit and when I called, they stated there was no Allen Whit working for the Department? I called back several days later to ask to speak to anyone named Allen. I spoke with someone named Allen that stated he had never spoken to me before but that he would turn me over to a guy named George who out of all the people he knew, would get our negative situation straight. I never heard back from anyone, nor a person named George.
It is now 27 Apr 09, we have not received our refund, can not make contact with anyone, receive a phone call back, etc.
We have been scammed, our money taken and not shown any respect that even animals deserve.
I am a Army Veteran, is there anyone in Government that can help us, or media or a lawyer or something or someone?
I am praying that God will help us.
Sincerely
William
p.s. I could say much more the heartache these nasty people have put us through, but I could write a Book on that and am summing up the best way I can, in the allotted space I have...
Posted on 4/27/2009
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This company is a fraud! I never rec’ed any call backs and I call daily for over three weeks. They never asked for any documentation to provide to my mortgage company, in fact I had to provide to data to the mortgage company. When I did talk to a live person, they could never tell me who had or was working with my file; I even got a voice mail for consumer service. I did request a refund by phone…on a voice mail…of course, today and will send a letter. Let’s hope they honor that part of the contract. I could use that money to make two at least two house payments.
Posted on 4/8/2009
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My wife and I (Adam & Becky Burrus) previously filed a complaint on FLM. We had paid money and not rec'd a service. I have talked to FLM and they are working to refund our money and are working with us to date. We are satisfied that they are agreeing to refund our money and our issue will be resolved once we have rec'd our refund.
Posted on 4/8/2009
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FED LOAN MOD..........BIG TIME RIP OFF!!!!!!!!!!!!!!!!!! I KEPT GETTING THE RUN AROUND FOR 50 DAYS NOW. i KEPT GETTING BOUNCED AROUND FROM ONE CASE WORKER TO ANOTHER AND NOTHING WAS GETTING DONE.....THEY TOOK MONEY OUT OF MY ACCOUNT EVEN WHEN I ASKED THEM TO WAIT A FEW DAYS.....THEY OVERDREW MY ACCOUNT. I JUST CALLED MY MORTAGE COMPANY AND WORKED OUT MY OWN MODIFACATION ..WHEN I ASKED FOR A REFUND KIM TOLD ME THAT THEY HAD ALREADY DONE WORK SO I WAS NOT ENTITLED TO A REFUND. ACCORDING TO MY MORTAGE COMPANY THEY HAD ONLY CALLED IN ONCE AND THAT IS AFTER I CALLED AND MADE A BIG DEAL ABOUT THE WHOLE THING. SO WHAT KIM TOLD ME IS THAT I AM OUT$2500 FOR NOTHING. THAT'S WHAT FEDERAL LOAN MODIFACTION DID NOTHING.
PLEASE BEWARE....TRY TO DO YOUR LOAN MOD YOUR SELF..IT'S REALLY SAD THAT RIP OFF COMPANIES TAKE ADVANTAGE OF PEOPLE
Posted on 3/31/2009
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I had an excellent experience with Fed Mod. I first contacted them in Nov/Dec of 2008. They kept weekly communications with us throughout the entire process, which lasted until March of 09.They were able to speak to my lender, and modify my ARM mortgage to a fixed rate, and drop the interest rate from 7.75% to 5.25%. I would recommend Federal Loan Modification Center to anyone who is looking to modify their loan.
Posted on 3/25/2009
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I signed up with FLM back in December of 08' and had similar issues with that others on this board had. It was hard to speak to someone who had first hand knowledge of my file. My case evaluator Erik Ochoa was a nice person but it seemed he was the only one that I could get a hold of. I began getting very nervous around the latter part of January when my mortgage company (AHMSI) stated that they were going to expedite the foreclosure proceedings. I let Erik know that AMSI was harassing me and I voiced my concerns in regards to the complaints I came upon after googling FLM, and then all of a sudden I began receiving calls from my negotiator who was Josh. Within 48 hours Josh somehow negotiated an awesome deal where my 9.35% ARM rate went to a 5% fixed for 5 years and took all my past due balances and put them at the end of the loan. Josh also had the late fees waived.. It knocked my payment down by nearly 50%. Although the experience was somewhat scary and the lack of communication between the employees and myself was annoying, they did come through. I also owe some money to FLM and Erik has been gracious enough to extend the remaining balance of the 3500 fee for another month after the mod has been finished. Overall, Im VERY satisfied asides from the few gray hairs.
Posted on 3/18/2009
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Where can I start:
SCAM !!! SCAM !!! SCAM !!! I heard this posting on a talk radio station (WTKK) a reputable station so I ended up calling them and was promised "you will get a response by 45 days". So they took $1750.00 out of my account even after i told them to hold off for a day, I then proceeded with the paperwork and was told I would be getting a call from a complience officer any day. When they had taken the 1750 out they said I would get a call in 2 days. To this date after calling them 12 times 4 weeks later have not heard form the complience officer. This is when alarm bells started ringing : I called up the phone numbers I have for FLM Law Center, and demanded to speak to a Director or a supervisor 5 times they put me on hold and the phone went dead. I then called the same number and then selected the sales option I got through the same person who was in customer services (JOHN) who again came up with some story about the phones having issues. I am now involving some attornies and hopefull bring these Scam artist's down. We can certainly bring a class action lawsuit again this firm for operating on false statements. I have every phonecall recorded, and every email with date and time stamp. I have contacted my bank and they are very saddened by this firms conduct they wish to involve there own task force behind bringing these guys to Justice. Oh one more thing, if you ask them who there attorney is or would like to speak to him they have no idea and again they would hang up the phone. Please do not conduct business with them. A real company that does modifications will not take your money upfront. LIKe FML LAW CENTER LLC.
Posted on 3/17/2009
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