Back in October 2013, a Mobile woman came to me with a debt collection lawsuit brought against her by Portfolio Recovery Associates. She was in dire straits and had no way to pay for a lawyer, but she also could not afford to lose 25% of her wages to a […]
Should I fire my bankruptcy lawyer? So an unfortunate reality of life is that when you hire a professional to provide an expensive, specialized professional service, unless you or a really close friend or relative is part of that specialized profession, you have no idea if you’re getting a decent […]
Part 2 – How Your Lawyer Calculates Your Chapter 13 Plan Payment So just how does the lawyer arrive at that number? Now, as much as I love to warn people about the signs of a bad bankruptcy lawyer, there usually is no pressing need for the lawyer to […]
The Cost of Chapter 13 Bankruptcy, Part 1. In 2013, there were 3,223 Chapter 13 bankruptcy cases filed in the Southern District of Alabama. Of those, I would estimate that in only 3,220 of those cases did the debtors have any idea how their Chapter 13 payment was calculated. […]
You can do something about it. You must take action as soon as you can if you think that you or someone you love has been ripped off by a loan mod scams. You have rights that you may not even know about.
These scams are all over the place. I’ve seen at least three separate outfits that have tried to screw my clients. Most of them seem to be located in Florida, for some reason, but if they’re doing business here, we can absolutely take them to court here.
Even if they have “successfully” obtained a loan modification for you, they still may be breaking the law and harming you (without your knowledge) by committing bank fraud on your behalf. This is serious stuff. If you’re currently paying monthly fees to a “loan mod specialist” who hasn’t obtained a loan modification for you yet, then you need to stop paying them ASAP and ask for a full and immediate refund.
See, they’re not allowed to charge you a dime up front. And they’re also not allowed to instruct you to quit paying your mortgage.
Please don’t fall for these guys! Some examples I’ve seen that break the MARS rule:
- Ocean Legal Group
- Fresh Start “law firm”
- Pinepoint law group
Notice a pattern? They all pretend to be lawyers, when they’re not.
Valentine & Kebartas Harassing Phone Calls from Local number (251)300-5452 So here’s a relatively new trick I’ve seen: out of state debt collectors using local cell numbers to call you. If you’re being hounded by debt collectors, you’ve probably learned to avoid 1-800 numbers and 1-888 numbers. But if you […]
Sale Leaseback Scams and Foreclosure Rescue Scams are two types of scams that are popular when housing markets are doing well. Why? Because they prey on struggling people who have a substantial amount of equity in their homes. Particularly old people.
They’re really evil, but you can absolutely do something about it, as long as you take action as soon as possible, preferably within a year.
If you have older relatives who have been screwed by these sorts of deals, it is important to gather all of the paperwork as quickly as you can and call a lawyer to fix the problem.
Answer: Most of them are scams. Here’s how you know: 1) They promise legal advice, or pseudo-legal advice. “Forensic audits” are a big keyword they like to use.
2) They promise to stop a foreclosure without bankruptcy, unless they’re very experienced lawyers located in your county. Why? You can’t stop a foreclosure without a bankruptcy or TRO in Alabama.
3) Up Front fees. Or advising you to quit paying your mortgage company and start paying them instead. Use common sense. Call a real lawyer.