I'm a single mother of 3 children (12yrs, 5yrs & 9 mths). I lost my job in the recession and recently divorced. Due to financial circumstances my home went into the foreclosure process. My mtg company denied me 3 times for a loan re-modification. I was contacted by Consumer Advocates Group,(listed above), promising me that they would be able to get me a loan re-modification based on their different approaches used on mtg companies. I explained several times that I'm on very limited income and I couldn't afford to pay them any money if I wasn't going to be guaranteed a re-mod from it. They assured me several times verbally & in their "Client Welcome Pack" they emailed me that they would get results and me and my 3 children would be able to remain in the only home they've ever known. Marvin Jones (case manager), explained to me that I would need to send them $2000, the cost of their fee, before they could begin any kind of "stopping the foreclosure process" for my home(on by behalf). I borrowed and scraped up my last dime to pay them in installments= $600 Beg.of Nov. 2010 & $400 end of Nov. 2010; and $500 Beg.of Dec. 2010 & $500 end of Dec.2010. The kids didn't get any Xmas presents from me because Consumer Advocates wiped out ALL of my money. Now that they have my money, the phone calls have stopped and they haven't done ANYTHING for the money. They have not tried to get a loan modification, or any other type of program in regards to helping homeowners avoid foreclosure. They also have not done any kind of negotiating or scare tactic process with my mortgage company as they stated would be done in their "Welcome Package". The sale date was approaching (Dec 27, 2010), and I kept calling them, and calling, leaving message after message. I also sent numerous emails to Marvin Jones and also to their Processing Dept., exclaiming how much of a panic I was in regarding the sale date for my home being so close, and how nobody has called me back to inform me of whether or not they had put a stop on the sale of my home. It wasn't until the DAY BEFORE THE SALE DATE, that someone called me back, telling me that they were not able to get a re-mod because I am not employed with a job, and then Consumer Advocates suggested that I file an Emergency Bankruptcy Petition that day to stop the sale from happening tomorrow! So I was forced to rush down and file an emergency Chapter 13 Bankruptcy Petition so that me and my 3 kids wouldn't be forced out of our house the next day. After filing Bankruptcy, I tried everyday by phone and email to get a hold of anyone at Consumer Advocates, but they avoided me like the plague. They currently still will NOT answer my phone calls or any of my emails. My kids and I are basically on borrowed time living in this house since the mortgage company is still denying a loan re-modification, and I don't have the income to pay every month, the arrears in the Bankruptcy, plus the regular mortgage payment amount combined. Consumer Advocates knew I was desperate and under pressure to save my house for my kids, and they knew I was barely making it financially, but still preyed upon me to steal $2000 and not care about my children and myself ending up homeless because of their scam. UPDATE....MY HOME HAS BEEN FORECLOSED!!!
Monetary Loss: $3000.