Hello all, I'm new. I'm a 22 year old daughter posting mostly on behalf of my parents and out of concern for what they got themselves into. I believe my parents got themselves scammed by some group (?) of people who promised to modify their mortgage. I just learned most of these details today which raised some red flags for me. Also, this takes place in SF Bay Area, California.
My mom answered an ad that was in the Pennysaver about loan modification, the company was USMAC Financial Services and the person who helped was John Rapp (ph # 1-800-485-8055 x5034).
They made my parents sign a contract and pay $3,500 (by credit card) up front to John Rapp I believe. They assigned a lawyer named Christian M. Dillon to our case, and some documents we received from his office were very unprofessional and had no signature of his on any of them. Also, one of the documents were supposed to be signed by his case managers named Melissa Holland and Lori Fitch, but it's a fake cursive computer font.
John Rapp also instructed my parents to be delinquent on their mortgage for 2 months, and one of the people in Dillon's office denied anyone ever saying that. It's going onto the 3rd month now, and someone from the Dillon office now instructed my parents to pay $1000 for the mortgage (which probably isn't possible since the mortgage company wants the full sum due, our monthly mortgage is around $2800). These suggestions seem very shady to me, and I could foresee losing the house if they'll lead us on like that and do nothing about it.
Some other details are that the Dillon office was instructed by my parents to call their cell phones if they want to contact them since they're almost never home during their hours due to work. However, they keep calling the wrong phone number and it seems like they're trying to avoid contact. And once my mom actually does manage to get in contact with them, they're mostly clueless. For example, she was told that another person had her file, so she had to call that person, then that person said another person had her file, etc.
When I heard of this today, I checked on the internet about this and found some writings by people that seem to indicate that this whole thing is a sham, and that this Christian M. Dillon lawyer seems to be involved in a lot of these companies. I checked on the BBB website on his company's rating and they weren't good, so I wonder if he keeps making new companies until their ratings get very bad or what.
Anyway, my parents are now treating this as a scam and are going to call the mortgage company tomorrow to find out if this lawyer's office even contacted them or anything. The problem with that though, is that the Dillon office warned that our mortgage company will deny having contact with them and try intimidating us which is believable, so it's sort of hard to know who to trust. I'm also contemplating whether or not a charge back for the $3500 will be possible if the contract is as unprofessional as the rest of the correspondence and has no real signature, but I won't know about that until tomorrow (Also I'm wondering if it is lawful for a person such as John Rapp to accept the upfront payment on behalf of the lawyer, since I don't see him on the DRE directory).
I'd appreciate any opinions or thoughts on this matter. I apologize if this is long and confusing too, it certainly is for me. Also, who should we trust about this and where can we report this if it is a scam? I mostly think we will need to consult a lawyer about this too, so if anyone knows someone who deals with this in the SF Bay area, California, that would be great. Thank you. Reason for Editing (Minimum 15 Characters)
Asked on 7:04 pm Jan 18th 2009
Anonymous
0
[QUOTE=Anonymous;441058]IM IN THE PROCESS AND THAT WANT THE MONEY BUT I HAVE NOT GAVE THEM ANYTHING YET IM A LITLE NERVOUS. I NEED SOME TRUST WORTHY PEOPLE[/QUOTE]
DON'T GIVE THEM ANYTHING. They are NOT allowed to practice Law in Ca. DO YOUR RESEARCH you will find out!!!!! I just saved you TONS of $ and heartache... and it's all FREE:) Reason for Editing (Minimum 15 Characters)
Answered on 10:29 am Sep 17th 2009
Anonymous
0
I recently spoke with someone by the name of Denise C. Imsland, she sounds like she may know her info. However she realizes that input like this is damaging. I inquired about positive stories on the net. Which seems to be hard to find, I think it is really sad to have people prey on the hardships that people are facing in the midst of this economy. Please do your home work before you give up information like: license, social security number, routing number to your checking or savings accounts. Thanks again for posting, it really helped me make my decision. Reason for Editing (Minimum 15 Characters)
Answered on 11:21 am Sep 21st 2009
Anonymous
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You don't even have to go through any prompts to talk with someone anymore. They have had so many complaints on Christian Dillon they answer the phone "Client Security Fund". You say CHRISTIAN DILLON and they take your address to send you the necessary papers. Thank you for the information and phone number. Reason for Editing (Minimum 15 Characters)
Answered on 11:16 am Sep 24th 2009
Anonymous
0
do it yourself, dont waste your money. you will get results faster. i have benn waiting 2 months and all the say is that it is under review. Reason for Editing (Minimum 15 Characters)
Answered on 8:34 pm Sep 24th 2009
Anonymous
0
[QUOTE=Anonymous;394834]My parents are considering using Christian Dillon and asked me to check him out for them. I've heard some good and bad but sensing maybe he is not the one. Can anyone suggest another person. I'm hearing that it's a must to use an attorney.[/QUOTE]
To everyone on this forum if u are thinking of christion m dillion from california he is a scam these people ripped us off just after comin out of a backruptcy 13 Whitch it was hell to servive thru. the woman i delt with was andrea bojorquez we lost 1500.00 TO THIS COMPANY NOW WE MUST KEEP TRUSTIN IN GOD TO KEEP OUR HOME WHITCH IS NOW 10MONTHS BEHIND.PS IF ANYONE KNOW A WAY TO GET ANY VICTIMS MONEY BACK LET EVERYONE KNOW ON THIS FORUM.PS ANY ATTORNEYS OR ANYONE PLEASE HELP WITH ANY INFORMATION EMAIL [email]CONYERS_SEAN@YAHOO.COM[/email] AND MAY GOD BLESS EVERYONE. Reason for Editing (Minimum 15 Characters)
Answered on 9:16 am Oct 2nd 2009
Anonymous
0
I have had contact with USMAC law group with the purpose of modification of my home loan. My loan is current without blemish. I was told I'd have to pay $3790.00 up front before my application was accepted. I was also told to stop payments on my loan as the late money would be tackked on to the end of the loan. I spoke with a gal named Amber Leonard (800-653-6148 x 5072) and did not get any further than her since I canceled the application process when I learned more about them. I'm glad I did. At that time Amber became beligerant and abusive in her language as well as calling us time and time again screaming on the phone when I told her about the CA AGs office and the HUD report. I will be sending a complaint to the BBB (they are not registered) the Cal. AGs office and the Cal Real Estate Board. I hope these people are prosecuted for try to scam stuggling folks out of their hard earned money and taking advantage of human misery in this financial nightmare. Reason for Editing (Minimum 15 Characters)
Answered on 3:08 pm Oct 2nd 2009
Anonymous
0
Thanks for all the input here. I was considering this company but now I'll pass. If you have to pay up front fees I have been told to pass on any company like that. Reason for Editing (Minimum 15 Characters)
Answered on 3:47 pm Oct 4th 2009
Anonymous
0
This company is a scam. We paid them $3500 October 2008 and needed to pay someone else bc they wouldnt return phone calls. They always said our modicfication is still in review. SCAMMM!! Reason for Editing (Minimum 15 Characters)
Answered on 10:05 am Oct 5th 2009
Anonymous
0
I spoke to someone from this company on Friday and had them fax me a copy of the agreement. The agreement came through without any attorney fee listed. Also the gentlemen that I spoke with assured me I would get a full refund if they could not modify my loan. The contract states you will only get 1/3 of your money back. I also ran their address on 411.com and their phone number...You guessed it-nothing attached to USMAC Law Group. Reason for Editing (Minimum 15 Characters)
Answered on 3:18 pm Oct 11th 2009
Anonymous
0
DO NOT ..DO NOT ..DO NOT...WORK WITH USMAC LAW GROUP...THEY GOING TO TAKE YOUR MONEY !!SAME THINGS THEY DID TO ME AND MY FAMILY THEY JUST [B]Bunch of [COLOR=red]***********[/COLOR][/B] THEY LIE ABOUT EVERYTHING THEY SAID THEY CAN DO FOR YOU ..BOOOOOOOOOOOO [COLOR=red][B]****[/B][/COLOR]
[COLOR=red]Kindly watch your language in our forum. - Uncle Wulf[/COLOR] Reason for Editing (Minimum 15 Characters)
Answered on 12:18 pm Oct 12th 2009
Anonymous
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