Loan Modification – United Law Group

United Law Group Sean Alan Rutledge – Victimized By Predatory Loan Modification Attorney Loan Modification on a Foreclosure NOTHING DONE Just $4,000 retainer Irvine California

United Law Group Sean Alan Rutledge Attorney
Phone: 949-400-2850
Fax: 800-952-9487
2400 Main Street 2nd Floor,
Irvine, California, 92614

United Law Group Sean Alan Rutledge – I’ve been Victimized by Predatory Loan Modification Attorney

To Whom it may concern:

I’m writing you to report that United Law Group Sean Alan Rutledge, Attorney at Law has defrauded me out of $4,000 for services to assist me in the prevention of my home from foreclosure and loan modification, and a Forensic Loan Audit. NONE of these services have been provided, only numerous attempts to collect more fees and no work has been done to help me with my bank JP Morgan-Chase.

In fact one of the most recent tactics:

I’ve been getting harassing collection calls from Cain Rodriguez at United Law Group which are very disturbing and disconcerting since he made false claims of an impendingforeclosure sale for Friday, May 8, 2009 and claiming that if I paid an additional $4,500 that day on Saturday, May 2, 2009 his office would stop the foreclosure sale. After calling and verifying with Chase Bank, they informed me on Friday May 8, 2009 that there was no such sale scheduled.

This has to be the lowest form of collection tactics I’ve ever had to endure only to find out it was not true and disguising beyond belief!

Additionally, I have made many written and verbal requests to United Law Group, the attorney Sean Rutledge to deliver copies of the paper work from my case regarding any and all work that United Law Group has done so far. It turns out that they never produced anything. Furthermore they refused to give me any progress reports which as a paying client I’m entitled to. I have paid them my last emergency savings for their services. I have been on food stamps and was unemployed for over (6) six months.

As this office never reported to me on the progress on my case with Chase Bank and the collection calls continued from both my bank and Untied Law Group, I emailed Sean Rutledge to give me a report what he has done so far as it wads obvious that the Law office did not provide any service.

The attorney Sean Rutledge’s reply was; ‘BLAST YOUR EMAIL’S IN MY FACE.” and ‘I don’t generally find it a helpful tact to insult someone who is trying to help you, do you?’ We don’t guarantee results. If your home is sold then so be it. We do our best and that’s all the law requires. Do me a favor the next time you ‘BLAST YOUR EMAIL’S IN MY FACE.’ READ THE CONTRACT YOU SIGNED. IT SAYS NO GURANTEES. IF THE BANK DENIES THE LOAN MOD THEN YOU LOSE. THAT’S LIFE. NO REFUNDS, YOU KNOW THAT BECAUSE YOU AGREED TO IT. Have a nice day.

So far I’m still waiting in suspense to see what help he has provided. The attorney Sean Rutledge claims he has provided all these services but REFUSES to show evidence that anything was done.


Here are the dates I sent emails to get a report, update and confirmation that something has been done on my case. TODATE NO copies of anything from the 10 items listed above have been done.

I’m demanding that United Law Group and Sean Alan Rutledge, Attorney at Law immediately REFUND my $4,000 payments for NON-Performance and for FRAUD! I think this attorney needs to have his license revoked and criminal charges be filed by the State of California. He is a crook, scammer, liar, swindler and completely defrauds his clients into foreclosure and bankruptcy. Praying on people that are in the worst financial crisis of their lives and stealing their money and losing their homes for NON-PERFORMACE of services is criminal. If this kind of criminal is allowed to continue his scam to other clients then we will ALL lose our homes!

This has to be criminal, scamming clients, defrauding them, when it’s the most important thing in our lives and jeopardizing our homes we live in! Taking money and NOT PROVIDING the immediate services that are required to save our home.

In the meantime Chase Bank is contacting me directly since United Law Group has done nothing to help me they just took my money. Now I want the money back as I need it to make payments to the bank. I’m worried that my house will go to a Trustee Sale next Monday June 8, 2009. This kind of people should never be allowed to practice law as they are criminals.

I need my money back to hire another attorney ASAP!


San Diego, California

Attorney General Edmund G. Brown Jr. – Foreclosure Consultant

Los Angeles – Attorney General Edmund G. Brown Jr. today sued a foreclosure consultant and an attorney — Paul Noe Jr. and Mitchell Roth – who conned 2,000 desperate homeowners into paying exorbitant fees for “phony lawsuits” to forestall foreclosure proceedings.

These lawsuits were filed and abandoned, even though homeowners were charged $1,800 in upfront fees, at least $1,200 per month and contingency fees of up to 80 percent of their home’s value.

“Noe and Roth ripped off homeowners desperate for help by charging unconscionable fees for phony lawsuits,” Brown said. “Instead of aggressively pursuing the lawsuits, Noe and Roth strung them along so they could continue to rake in fees.”

Beginning in mid-2008, Noe promised homeowners facing foreclosure or default he could help them lower or eliminate their mortgage debt.

He convinced more than 2,000 homeowners to sign “joint venture” agreements with his company, United First, and hire Roth to file suits claiming that the borrower’s loan was invalid because the mortgages had been sold so many times on Wall Street that the lender could not demonstrate who owned it. Similar suits in other states have never resulted in the elimination of the borrower’s mortgage debt.

After filing the lawsuits, Roth did virtually nothing to advance the cases. He often failed to make required court filings, respond to legal motions, comply with court deadlines, or appear at court hearings. Instead, Roth’s firm simply tried to extend the lawsuits as long as possible in order to collect additional monthly fees.

Under the terms of the agreement, United First charged homeowners approximately $1,800 in upfront fees, plus at least $1,200 per month. If the case was settled, homeowners were required to pay 50 percent of the cash value of the settlement. For example, if United First won a $100,000 reduction of the mortgage debt, the homeowner would have to pay United First a fee of $50,000. If United First completely eliminated the homeowner’s debt, the homeowner would be required to pay the company 80 percent of the value of the home.

Brown’s lawsuit contends that Noe, Roth and United First:
– Violated California’s credit counseling and foreclosure consultant laws, Civil Code sections 1789 and following and 2945 and following;
– Inserted unconscionable terms in contracts;
– Engaged in improper running and capping, meaning that Roth improperly partnered with United First, Inc. and Noe, who were not lawyers, to generate business for his law firm violating California Business and Professions Code 6150; and
– Violated 17500 of the California Business and Professions Code.

Brown’s office is seeking $2 million in civil penalties, full restitution for victims, and a permanent injunction to keep the company and the defendants from offering foreclosure consultant services.

Paul Noe Jr. was convicted of wire fraud in 1989 and the subject of a California Department of Insurance Cease and Desist Order in 2004. Mitchell Roth resigned for the California State Bar in late May 2009, after the State Bar closed his law firm.

P.J. — After receiving default notices and conducting unsuccessful negotiations with his lender, P.J. of Panorama City contacted United First and was promised his home could be saved. In November 2008, P.J. signed a contract with United First and hired Roth’s law firm, paying nearly $5,000 in upfront and monthly fees. Even as P.J. was paying United First, Roth did nothing to advance his case, and his lender foreclosed on his home earlier this year.

A.S. — In June 2008, A.S. from La Mesa, Calif. received notices that his mortgage payments were going to increase from $3,700 to over $5,000 per month. A.S. was referred to United First by a member of his church. Representatives of the company assured him that his mortgage debt could be eliminated. A.S. paid over $10,000 to retain Roth’s firm. Shortly after signing a contract, A.S. received foreclosure notices from his lender. He called United First about the notices but was told not to worry and that his case was moving along. In January 2009, A.S. received a notice to come to United First’s office to pick up his file. Roth had abandoned his cases, and the State Bar had shut down the firm.

Tips for Homeowners

DON’T pay money to people who promise to work with your lender to modify your loan. It is unlawful for foreclosure consultants to collect money before (1) they give you a written contract describing the services they promise to provide and (2) they actually perform all the services described in the contract, such as negotiating new monthly payments or a new mortgage loan. However, an advance fee may be charged by an attorney, or by a real estate broker who has submitted the advance fee agreement to the Department of Real Estate, for review.

DO call your lender yourself. Your lender wants to hear from you, and will likely be much more willing to work directly with you than with a foreclosure consultant.

DON’T ignore letters from your lender. Consider contacting your lender yourself, many lenders are willing to work with homeowners who are behind on their payments.

DON’T transfer title or sell your house to a “foreclosure rescuer.” Fraudulent foreclosure consultants often promise that if homeowners transfer title, they may stay in the home as renters and buy their home back later. The foreclosure consultants claim that transfer is necessary so that someone with a better credit rating can obtain a new loan to prevent foreclosure. BEWARE! This is a common scheme so-called “rescuers” use to evict homeowners and steal all or most of the home’s equity.

DON’T pay your mortgage payments to someone other than your lender or loan servicer, even if he or she promises to pass the payment on. Fraudulent foreclosure consultants often keep the money for themselves.

DON’T sign any documents without reading them first. Many homeowners think that they are signing documents for a new loan to pay off the mortgage they are behind on. Later, they discover that they actually transferred ownership to the “rescuer.”

DO contact housing counselors approved by the U.S. Department of Housing and Urban Development (HUD), who may be able to help you for free. For a referral to a housing counselor near you, contact HUD at 1-800-569-4287 (TTY: 1-800-877-8339) or

Brown’s Actions to Help Homeowners and Stop Loan Modification Fraud

Sued Countrywide For Predatory Lending And Secured $8.6 Billion Settlement. In October 2008, Brown announced an $8.68 billion settlement with Countrywide Home Loans, once the largest lender in the county, after the company deceived borrowers by misrepresenting loan terms, loan payment increases, and borrowers’ ability to afford loans.

Obtained Guilty Plea From Woman Who Operated Sophisticated Loan Scam. In May 2009, Brown obtained a guilty plea from Anna Santos, 22, who used forged documents to convince more than 100 desperate homeowners to hand over an average of $3,000 for non-existent loan modification services.

Shut Down “Foreclosure Freedom” And Announced Arrest Of Two Loan Modification Scam Artists. In March 2009, Brown shut down Foreclosure Freedom, a fraudulent loan modification company that continued to collect fees and mortgage payments from dozens of homeowners without ever providing loan modification services. The two scam artists were charged with 24 counts of grand theft and 25 counts of foreclosure consultant statute violations.

Broke Up “First Gov” And Sent Five Members To Prison. In November 2008, Brown shut down First Gov, a company that demanded $1,500 to $5,000 in up-front fees to modify loans it never renegotiated. In March 2009, five members of the ring were sentenced to a total of 18 years in prison.

Ended “Federal Land Grant” Foreclosure Rescue Scam. In May 2008, Brown ended a scam in which hundreds of homeowners were convinced to pay $10,000 to place their property in a land grant, a phony and worthless real estate document, and then convinced to sign over the deed to their home.

Shut Down Six Predatory Lending Companies. In March 2008, Brown shut down Lifetime Financial, Nations Mortgage, Greenleaf Lending, Virtual Escrow, Olympic Escrow and Direct Credit Solutions for promising homeowners unrealistically low mortgage payments and then switching them to loans that did not match the original agreement, many with hidden fees of up to $20,000. The three scam artists who operated the scheme have been sentenced to three years in prison.

A copy of the complaint is attached.

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Real Data Entry –

Real Data Entry Scammed Like A Scrooge

Real Data Entry

Real Data Entry is a bogus site. I got introduced to this site by a woman called Rhonda Rogers, e-mail:, who asked me to follow her on her Twitter site: in the second week of April 2009; and I saw the site for a home-based job in something that looked like a clipping from either orClickbank when I followed her on Twitter.

Anyway, at that point in time, as I was looking for a home-based straight-forward data-entry or typing job (as I was a senior secretary at UNESCO), I signed up for work with them. They gave me a week’s trial period, free of charge, after which one could sign up with them to become a full-time data-entry clerk, which I did (around 60$ paid through PayPal). They tell you in the site that payments would be made only once the 1000$ mark had been reached in terms of work. They said they would ‘pay’ 10$ per assignment, give you 3 sites to review everyday, so it took more than a month to request payment.

I requested my payment on 21 May 2009, at which point I had ‘earned’ 1000$. They told me payment would take from 2-4 weeks to come through. I was quite surprised. I requested my payment again in early June, and they said that it would come through 4 weeks from the date of request. On 18th June I requested payment – got no reply. This morning (20th June) I wrote to them again, saying that if they did not pay me I would take action.

I got a reply from them saying that they were not going to pay me as my work was not acceptable. I was flabbergasted. My work was done with extreme care and I had corrected a great deal of language flaws seen in the sites they gave me to review. The crux of the matter is that these rascals are wanting their poor data entry clerks to subscribe to some of the many sites they review, as this would get the site commissions from Clickbank and the like.

I did not buy any of the programmes. So, I was not interesting to them. They are scoundrels. They are not wanting people to work honestly, which I did. Please note that I have, to date, done around 1870$ worth of work. That’s nearly 2 months’ work with no pay. This is unacceptable and this site, which swindles people not only out of a measly 60$ but 2 months of sweat and blood, should be aborted. Thank you for your kind attention.



Be Wise, Be Alert – Alway Visit Your Online Resource

1. The job offers unusually high pay for apparently little work
2. Said well paid work has minimal requirements in terms of qualifications or experience
3. The job opportunity requires you to send money to someone, typically in an African nation, and by Western Union
4. The work involves repackaging products before shipping them out of the country, often to Africa
5. All communication with the employer is via poorly spelled emails that lack proper structuring
6. The offer of employment seems to be immediate without the need for an interview
7. The company requires an upfront payment for materials or training products
8. The employer requires too much personal information, such as bank account numbers or your social security number
9. The job is reported as offering a residual income in return for little or no ongoing commitment or work on your part
10. The only way to contact your new employer is via email and they use a disposable address, such as hotmail, gmail or yahoo
11. There is an element of time pressure added by saying respondents must do as they are told in a short time frame
11. There are multiple complaints levied against the company with the BBB or on consumer affairs websites
12. The job is offered via a website that is plastered with testimonials that sound just a little too good to be true
13. Its MLM !!!

Hang Seng Bank Ltd – Mr.Ming Yang


These job postings are an attempt to lure you into cashing counterfeit checks and have you wire funds via Western Union or MoneyGram -Essentially You Become A Money or RePackage Mule

Money Mule Explained

Read All About This at Symantec Corp.

Hang Seng Bank Ltd

Sai Wan Ho Branch
171 Shaukiwan Road
Hong Kong.

Good Day,

I am Mr. Ming Yang, Director of Operations of the Hang Seng Bank Ltd,Sai
Wan Ho Branch, Hong Kong. My purpose of contacting you is because you live
in a western world.I have an obscured business suggestion for you.I am
here-by seeking your service in helping me recieve a large amount of money
and in giving a clear research and feasibility studies on areas I could
invest on.Your services will be paid for, and you will be a partner, if
recommendation is accepted.

For security purpose, due to telecom interception in Hong Kong, I shall
not accept or acknowledge any phone call. Only emails would be treated
inrelation to this proposal but not without this code;[CODE NO:AM-001].

Contact me through this email for further confidential

Kind Regards
Mr.Ming Yang