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Review 12/22/2010
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I recieved a letter in the mail from this company. I called them and a representative named Michael Sion answered. The gentleman sounded very professional and seemed to know the ins and outs of the Loan Modification process. He stated to me that we would require some personal information before we begin the process and once we have all the information we need such as bills,financial statment and home loan information etc. we would then need the first $1497 to get started on your modification. He said the total would be $3000 to modify my home loan. I told him Michael I've already tried to modify my home twice and I havent paid in over 25 months on my home. He said Abdullah we would not even try to modify your home if we didn't think we had a chance to help you out. I said Michael I will also let you know the reason why the previous companies couldn't modify my home, the reason is because when i first purchased my home i didn't make 12 consecutive payments so due to payment defualt in 2007-2008 the Bank of America Branch would not consider modifying my home. He assured me that this Law Firm he works with knows what they're doing and if they didn't think they could help me they wouldnt take my "HARD EARNED MONEY" I barely have money saved up and I figured might as well try since they can probably be my last hope. Prior to sending the first $1497 Michael Sion stayed in touch with me and he also had BOBBY GAMBOA contact me as well and another Processor Patty Sigfried contact me as well to collect all my information. ONCE I gave them my account number and they took the first $1497 from my account I made sure I contacted them just to follow up with the process. About a few days after the money was drafted out of my account PATTY Sigfried contacted me and asked me for more documents. I Said Patty I will tell you my situation because youre basically asking me for the same documents that the other companies asked me for. The SECOND i told her that I didnt make 9-12 payments in a row in 2008 when i first purchased the home SHE AUTOMATICALLY SAID " OK NEVERMIND THEN YOU DONT HAVE TO SEND ME ANY DOCUMENTS BECAUSE IF YOU DIDNT MAKE 12 PAYMENTS IN A ROW IN 2008 THEN THE BANK WILL NOT DO ANYTHING FOR YOU".... SO Basically a few days after IM OUT OF $1497 I WAS TOLD SORRY WE CANT DO ANYTHING FOR YOU. I IMMEDIATELY CALLED MICHAEL SION AND BOBBY GAMBOA AND LEFT VOICEMAILS. A few days and a few voicemails later I got a call saying Sorry we couldnt help you and we will refund you your money but it will TAKE 30-45 business days?!????? WHAT KIND OF COMPANY IS THIS. I FELT LIKE I WAS BUYING A PRODUCT AND THEY HAD A SPECIFIC RETURN POLICY. OBVIOUSLY IM ABOUT TO LOSE MY HOUSE AND I BARELY HAVE MONEY SAVED UP AND NOW I HAVE BEEN WAITING SINCE THE BEGINING OF NOVEMBER TO GET MY $1497 BACK AND HAVENT RECIEVED MY CHECK YET. IVE BEEN VERY NICE AND PATIENT BUT THIS IS THE WORST EXPERIENCE EVER!! IM NOT RICH AND I WANT MY MONEY BACK AND THIS IS THE LAST TIME I DEAL WITH AN OUT OF STATE COMPANY EVERRRR. I ALSO SPOKE WITH MY BANK AND THEY TOLD ME THAT THIS LAW FIRM THAT IM DEALING WITH FROM CALIFORNIA IS TRYING TO ASSIST ME BECAUSE THEY CANT TAKE MONEY FROM RESIDENTS IN CALIFORNIA UPFRONT UNTIL THEY HAVE AN AGREEMENT FOR MODIFICATION WITH THE BANK. SO BASICALLY IM FROM CHICAGO ILLINOIS AND THEY CAN DEAL WITH OUT OF STATE CUSTOMERS AND TAKE THEIR MONEY UPFRONT AND THERE IS NO GUARANTEE THAT THEY WILL EVEN GET YOUR LOAN APPROVED FOR MODIFICATION. SO BEWARE OF THIS COMPANY .. THEY ALSO SAID THEYRE BBB CREDITED BUT THEY JUST GOT SETUP WITH BBB A MONTH AGO SO IM THE FIRST TO WRITE A REVIEW ABOUT MY HORRIBLE EXPERIENCE!!!! ITS CHRISTMAS TIME AND IM FLAT OUT BROKE AND SHORT $1497 BECAUSE ROSE MARIE HOLLANDER NEEDS 45 DAYS TO FLOAT MONEY AROUND AND SEND ME MY MONEY WHEN THEY FEEL ITS CONVENIENT FOR THEM. BY FAR THE WORST EXPERIENCE EVER AND I HOPE PEOPLE READ THIS AND LEARN FROM MY DUMB MISTAKE. COMPANIES AND LAW FIRMS LIKE THIS TAKE ADVANDTAGE OF PEOPLE WHO ARE IN DESPERATE NEED OF HELP.!!
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