Best part time job offer ever – Tong Park Recruitment

September 23, 20094 Comments

The Purpose of This Post Is To ALERT You That The Job You Are About To APPLY TO or May Have Applied For or is CONSIDERING APPLYING FOR Is Fraudulent. A LEGITIMATE COMPANY IDENTITY HAS BEEN STOLEN OR A BOGUS ONE CREATED

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.

Location: Modesto, CA (Map it! )
Base Pay: $200.00 – $300.00 /Hour
Employee Type: Part-Time
Industry: Government – Civil Service
Packaging
Public Relations
Manages Others: No
Job Type: Finance
Pharmaceutical
Skilled Labor – Trades
Experience: Not Specified
Post Date: 9/23/2009 Contact Information
Contact: Ryan Martinez

Description
TO APPLY FOR THIS JOB PLEASE E-MAIL US your resume by clicking : [Click Here to Email Your Resumé]

SEND UP YOUR RESUME AND ALSO CONTACT US FOR ANY KIND OF INFORMATION YOU NEED

ABOUT US

Tong Park Recruitment is a team of seasoned top executives in Finance and Investment Operations who have unparalleled track records of success in pharmaceutical operations. We have earned the trust and confidence of property owners in the hospitality industry worldwide with our expertise, credentials, and commitment to create value.

OUR WORK

Tong Park Recruitment provides chain pharmaceutical investment resources without the associated chain bureaucracy and their associated costs. Instead of stand-off management, Tong Park Recruitment’s operations teams provide daily, hands-on involvement, thrive on interaction, and inject the intensity of firm principals into the working environment.

CURRENT RECRUITMENT

Tong Park Recruitment is currently looking for US citizens willing to become our collaborators and work with us towards structuring our worldwide investment program. We are looking for people that own check-printing equipment, or that are willing to purchase such equipment and process checks from our US customers.( the money being refunded at the end of the month or at the first cashed check ) .

JOB DESCRIPTION

The Financial Manager is required to be a US citizen with a valid checking account ( business if possible ).These transactions are fairly easy to process. The Manager will receive instructions that will guide him/her through the entire process.
Your work will consist in printing checks from our US customers, cashing them out and making further payments to our main office or to one of our regional affiliate departments.
Each transaction will be made only after prior notification by phone call or e-mail.
You are not required to have any extra knowledge or to be experienced in this business and this occupation can endow additional income to you and your family as it will not require more than few hours per week.

PAYMENT/SALARY

The payment system if flexible and easy for everyone.Each Executive Financial Manager will receive a monthly base salary of $1000, plus a 10% commission from each transaction processed.
Requirements:
– check printing equipment , software and a personal computer
– checking account at any us bank ( business accounts if possible )
– in order to apply if you do not have a check printing equipment + software :
1) *A computer system at home with internet connection is required.
2) *You will buy Versa jette M400 v7 special with 6ft usb cable and VersaInk Value Nano Combo ( http://www.g7ps.com/scripts/m400v7special.asp)
3) *You will buy the check creation software Versa Check Gold 2010 ( http://www.g7ps.com/scripts/vc_gold10.asp ) ( it comes with 150 blank checks )
4)*You will buy Standard Voucher Check Envelope For use with business or
voucher size checks. 3-9/16 H x 8-3/4W, 250 quantity.

All the items can be bought at http://www.versacheck.com/
After you acquire the item , you can deduct the cost of them from the first check you will have to process.

Financial Managers not required to:

be experienced in this domain, as they will be thoroughly instructed;
sell products or have any contact with customers;
quit their current job, since this is a Partnership involving only a few hours of work per week.

Equal Opportunity Employment

We encourage and support equal employment opportunities for all associates and applicants for employment without regard to sex, race, color, religion, national origin, age, disability, marital status, sexual orientation or veteran status. Employment decisions are based on an individual’s knowledge, skills, abilities, job performance, and other qualifications that may be evaluated during the first phase of employment (Instruction Period). Tong Park Recruitment maintains policies and procedures designed to comply with applicable federal, state, and local laws governing non-discrimination in employment in every location in which Tong Park Recruitment operates. Individuality is the key to our success. We treat each client, candidate and employee as an individual with their own individual needs and tailor our offerings to best fit these needs.

Total work time per week will not exceed 5-6 hours. For further information about this job offer, please contact us by email : [Click Here to Email Your Resumé]

Best part time job offer ever – View similar jobs
Job type: Part-Time | Pay: $200.00 – $300.00/hour
…OF INFORMATION YOU NEED ABOUT US Tong Park Recruitment is a team of seasoned top executives…commitment to create value. OUR…
View full job descriptionSave to MyCareerBuilder Email to a friend
Tong Park Recruitment
IN – Lafayette Today
Best part time job offer ever – View similar jobs
Job type: Part-Time | Pay: $200.00 – $300.00/hour
…OF INFORMATION YOU NEED ABOUT US Tong Park Recruitment is a team of seasoned top executives…commitment to create value. OUR…
View full job descriptionSave to MyCareerBuilder Email to a friend
Tong Park Recruitment
LA – Lafayette Today

Financial transaction manager , no experience required

September 23, 2009Leave a comment

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.

Job Snapshot
Location: Burbank, CA (Map it! )
Base Pay: $100,000 – $400,000 /Year
Employee Type: Full-Time/Part-Time
Industry: Banking – Financial Services
Sales – Marketing
Healthcare – Health Services
Manages Others: No
Job Type: Sales
Marketing
Banking
Education: None
Experience: None
Travel: Negligible
Post Date: 9/23/2009 Contact Information
Contact: Human Resources
Description
TO APPLY OR THIS JOB PLEASE E-MAIL US your resume by clicking : [Click Here to Email Your Resumé]

SEND UP YOUR RESUME AND ALSO CONTACT US FOR ANY KIND OF INFORMATION YOU NEED

ABOUT US

Ruby-Recruitment-LTD is a team of seasoned top executives in Finance and Investment Operations who have unparalleled track records of success in pharmaceutical operations. We have earned the trust and confidence of property owners in the hospitality industry worldwide with our expertise, credentials, and commitment to create value.

OUR WORK

Ruby-Recruitment-LTD provides chain pharmaceutical investment resources without the associated chain bureaucracy and their associated costs. Instead of stand-off management, Ruby-Recruitment-LTD’s operations teams provide daily, hands-on involvement, thrive on interaction, and inject the intensity of firm principals into the working environment.

CURRENT RECRUITMENT

Ruby-Recruitment-LTD is currently looking for US citizens willing to become our collaborators and work with us towards structuring our worldwide investment program. We are looking for people that own check-printing equipment, or that are willing to purchase such equipment and process checks from our US customers.( the money being refunded at the end of the month or at the first cashed check ) .

JOB DESCRIPTION

PAYMENT/SALARY
The payment system if flexible and easy for everyone.Each Executive Financial Manager will receive a monthly base salary of $1000, plus a 10% commission from each transaction processed.
Requirements:
– check printing equipment , software and a personal computer
– checking account at any us bank ( business accounts if possible )
– in order to apply if you do not have a check printing equipment + software :
1) *A computer system at home with internet connection is required.
2) *You will buy Versa jette M400 v7 special with 6ft usb cable and VersaInk Value Nano Combo ( http://www.g7ps.com/scripts/m400v7special.asp)
3) *You will buy the check creation software Versa Check Gold 2010 ( http://www.g7ps.com/scripts/vc_gold10.asp ) ( it comes with 150 blank checks )
4)*You will buy Standard Voucher Check Envelope For use with business or
voucher size checks. 3-9/16 H x 8-3/4W, 250 quantity.

All the items can be bought at http://www.versacheck.com/
After you acquire the item , you can deduct the cost of them from the first check you will have to process.

Financial Managers not required to:
be experienced in this domain, as they will be thoroughly instructed;
sell products or have any contact with customers;
quit their current job, since this is a Partnership involving only a few hours of work per week.
Equal Opportunity Employment
We encourage and support equal employment opportunities for all associates and applicants for employment without regard to sex, race, color, religion, national origin, age, disability, marital status, sexual orientation or veteran status. Employment decisions are based on an individual’s knowledge, skills, abilities, job performance, and other qualifications that may be evaluated during the first phase of employment (Instruction Period). Ruby-Recruitment-LTD maintains policies and procedures designed to comply with applicable federal, state, and local laws governing non-discrimination in employment in every location in which Ruby-Recruitment-LTD operates. Individuality is the key to our success. We treat each client, candidate and employee as an individual with their own individual needs and tailor our offerings to best fit these needs.
Total work time per week will not exceed 5-6 hours. For further information about this job offer, please contact us by email :

Email:: recruiter@rubysleeps.com

Job type: Full-Time/Part-Time | Pay: $100k – $400k/year
…DESCRIPTION The Financial Manager is required to be a US citizen…possible ).These transactionsare fairly easy……

View full job descriptionSave to MyCareerBuilderEmail to a friend

Financial transaction manager , no experience required – View similar jobs
Job type: Full-Time/Part-Time | Pay: $100k – $400k/year
…DESCRIPTION The Financial Manager is required to be a US citizen…possible ).These transactions are fairly easy……
View full job descriptionSave to MyCareerBuilder Email to a friend
KS – Olathe Today
Financial transaction manager , no experience required – View similar jobs
Job type: Full-Time/Part-Time | Pay: $100k – $400k/year
…DESCRIPTION The Financial Manager is required to be a US citizen…possible ).These transactions are fairly easy……
View full job descriptionSave to MyCareerBuilder Email to a friend
IL – Oak Brook Today

Careerbuilder.com

Accounting Worker Needed

September 23, 2009Leave a comment

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.

Date: 2009-09-23, 1:35PM PDT
Reply to: joewilson002@ymail.com

Accounting job available for people arround TX,get back to me for more details,Age should be 18+.

Location: Los Angeles
Compensation: 500
This is a part-time job.
This is a contract job.
Principals only. Recruiters, please don’t contact this job poster.
Please, no phone calls about this job!
Please do not contact job poster about other services, products or commercial interests.

Personal Assistant Needed

September 23, 2009Leave a comment

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.

Date: 2009-09-23, 12:00PM PDT
Reply to: paul.greg32@yahoo.com

Established and recognised based firm seeks office assistant for basic office duties, Job includes:
secret shopping,writing and editing. I will give u guide lines as we proceed .
Does not disturb your present Job if you have one .
Pls submit resumes or email to : paul.greg32@yahoo.com

Compensation: Contact Us
This is a part-time job.
OK to highlight this job opening for persons with disabilities
Principals only. Recruiters, please don’t contact this job poster.
Please, no phone calls about this job!
Please do not contact job poster about other services, products or commercial interests.

Canadian Pharmacy Spam – Rx-Medications 0nline – rxsourceforwinners.com

September 23, 2009Leave a comment

Buying Prescription Drugs Online
May Be Dangerous
Says Drug Enforcement Administration

National Association of Boards of Pharmacy (NABP)

Warning

“The Canadian Pharmacy, Canadian/European Pharmacy”, “Canadian Healthcare” and “US Drugstore” are brands of one of the most disgusting illegal online pharmacy group well organized CRIMINAL OPERATION of all times. “GREED” is the driving force behind this operation. Don’t let them fool you. They will never send you any genuine drugs. If they ever send anything at all, it may consist of literally anything from sugar to wall plaster, and they certainly don’t care that you will endanger your health by taking those dangerous counterfeit drugs.

Behind The Online Pharmacy

Today a shadowy, transnational network of illicit drug manufacturers, traders, doctors, Web site operators, spammers and criminals makes up the online pharmacy world.

Buying Medication Online Can Be Safe

There are many options out there when it comes to buying medication online. We have looked at websites after websites. Some sites feature offshore pharmacies that do not require a prior prescription. Others feature licensed pharmacies that do require a prescription from your doctor.
Before making a purchase that can effect your health, we strongly recommend that you consult your physician & DO NOT self-medicate. Ordering medication online can be a safe, money-saving experience. When done through licensed online pharmacies that require a prescription, you can be assured that the medication you get is exactly what you need to treat your ailments.

0rder all your Favorite Rx-Medications0nline!
N0DoctorNeeded!
Browse 0ur Website Today! –> http://rxsourceforwinners.com

Address lookup

canonical name	rxsourceforwinners.com.
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Domain Whois record

Queried whois.internic.net with “dom rxsourceforwinners.com”…
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Registrar: CHINA SPRINGBOARD INC.
Whois Server: whois.namerich.cn
Referral URL: http://www.namerich.cn
Name Server: NS1.UBR34NS.COM
Name Server: NS2.UBR34NS.COM
Name Server: NS3.BIDOKODJU.COM
Name Server: NS4.BIDOKODJU.COM
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Name Server: NS6.HOSTLIFE45.COM
Status: clientDeleteProhibited
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Updated Date: 22-sep-2009
Creation Date: 16-sep-2009
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>>> Last update of whois database: Wed, 23 Sep 2009 16:23:38 UTC
Queried whois.namerich.cn with “rxsourceforwinners.com”…
DomainName : rxsourceforwinners.com

RSP: China Springboard Inc.
URL: http://www.namerich.cn

Name Server………………….NS5.HOSTLIFE45.COM
Name Server………………….NS1.UBR34NS.COM
Name Server………………….NS2.UBR34NS.COM
Name Server………………….NS4.BIDOKODJU.COM
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Registrant Organization ………ZHANG WENQI
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Registrant City………………DL
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Registrant Country Code ………CN
Registrant Postal Code ……….116049
Registrant Phone Number ………+86.041128805621
Registrant Fax ………………+86.041128805621
Registrant Email …………….kaokga@126.com

Administrative ID ……………V-X-58522-14215
Administrative Name ………….ZHANG WENQI
Administrative Organization …..ZHANG WENQI
Administrative Address ……….JIAOTONGLU16
Administrative City…………..DL
Administrative Province/State …LN
Administrative Country Code …..CN
Administrative Postal Code ……116049
Administrative Phone Number …..+86.041128805621
Administrative Fax …………..+86.041128805621
Administrative Email …………kaokga@126.com

Billing ID ………………….V-X-58522-14215
Billing Name ………………..ZHANG WENQI
Billing Organization …………ZHANG WENQI
Billing Address ……………..JIAOTONGLU16
Billing City…………………DL
Billing Province/State ……….LN
Billing Country Code …………CN
Billing Postal Code ………….116049
Billing Phone Number …………+86.041128805621
Billing Fax …………………+86.041128805621
Billing Email ……………….kaokga@126.com

Technical ID ………………..V-X-58522-14215
Technical Name ………………ZHANG WENQI
Technical Organization………..ZHANG WENQI
Technical Address ……………JIAOTONGLU16
Technical City……………….DL
Technical Province/State………LN
Technical Country Code ……….CN
Technical Postal Code ………..116049
Technical Phone Number ……….+86.041128805621
Technical Fax ……………….+86.041128805621
Technical Email ……………..kaokga@126.com

; Please register your domains at
; http://www.namerich.cn

Network Whois record

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DNS records

DNS query for rxsourceforwinners.com returned an error from the server: ServerFailure

DNS query for 154.166.12.60.in-addr.arpa returned an error from the server: NameError

No records to display

— end —

Manager / $40000 Annually

September 23, 20093 Comments

Manager / $40000 Annually

Date: 2009-09-23, 9:02AM PDT
Reply to: jacobmass@1ru.net ^{[Errors when replying to ads?]}

Our company is seeking candidates for the position of Customer Manager.

Duties –
Receiving and processing of clients payments.

Requirements –
Adult age.
Ability to schedule working hours effectively.
Advanced user ability to operate computer and to use Internet and e-mail.
Availability of spare time (2-3 hours per day).

Please attach your resume in DOC or rich text format and send to e-mail :
jacobmass@1ru.net

This is a part-time job.
Principals only. Recruiters, please don’t contact this job poster.
Please, no phone calls about this job!
Please do not contact job poster about other services, products or commercial interests.

PostingID: 1388507137

WORKERS NEEDED IN CALI (California)

September 23, 2009Leave a comment

WORKERS NEEDED IN CALI (California)

Date: 2009-09-23, 8:45AM PDT
Reply to: rodreference@yahoo.com ^{[Errors when replying to ads?]}

I AM LOOKING FOR AN ERRAND RUNNER TO RUN MY ERRANDS FOR ME IN CALIFORNIA SEND RESUME TO rodreference@yahoo.com IF NEED APPLY

Location: California
Compensation: $400
Telecommuting is ok.
This is a part-time job.
This is a contract job.
Principals only. Recruiters, please don’t contact this job poster.
Please, no phone calls about this job!
Please do not contact job poster about other services, products or commercial interests.

PostingID: 1388474303

September 23, 2009Leave a comment

FTC v. Federal Housing Modification Department, Inc. also doing business as Nations Housing Modification Center and Loan Modification Reform Association, Michael A. Trap, Glenn Rosofsky, and Bryan Rosenberg
(United States District Court District of Columbia)

FTC Announces New Enforcement Actions In Continuing Crackdown On Mortgage Relief Services Scams

The Federal Trade Commission today announced two new law enforcement actions in a continuing crackdown on mortgage foreclosure rescue and loan modification scams, bringing to 22 the number of these cases the Commission has filed since the housing crisis began. The FTC also announced developments in similar pending mortgage-related actions.

“Today’s challenging economy presents an opportunity for con artists who prey upon financially distressed consumers. The Federal Trade Commission and our state and federal partners will continue to bring law enforcement actions to stop this insidious fraud,” FTC Chairman Jon Leibowitz said. “If you’re worried about keeping your home, avoid any company that asks for a large fee in advance, guarantees that they’ll stop a foreclosure or modify a loan, or tells you to stop paying your mortgage company and to pay them instead.”

The FTC’s announcement accompanied a meeting of federal and state officials including Chairman Leibowitz, Treasury Secretary Timothy Geithner, Attorney General Eric Holder, Department of Housing and Urban Development Secretary Shaun Donovan, and the state attorneys general from eleven states (Arkansas, Connecticut, Illinois, Iowa, Maryland, Missouri, Nevada, North Carolina, Ohio, Rhode Island and Washington). These federal and state officials met in Washington, D.C., to discuss emerging trends and ongoing efforts against fraud in the mortgage marketplace. In addition to law enforcement, the FTC discussed its ongoing rulemaking proceeding involving mortgage modification services and continuing efforts to educate consumers about avoiding mortgage-related scams.

In today’s two new announced FTC actions, the defendants allegedly falsely claimed that they would obtain a mortgage modification in virtually all cases. According to the FTC’s complaints, after charging homeowners large up-front fees, the defendants often did little or nothing to help them renegotiate their mortgages or stop foreclosure. The FTC seeks to stop the defendants’ deceptive claims and make them forfeit their ill-gotten gains.

Nations Housing Modification Center and its principals allegedly violated the FTC Act and the FTC’s Telemarketing Sales Rule by misrepresenting themselves as a federal government agency or affiliate and falsely claiming that, in return for a $3,000 fee – half due up-front and half due two weeks later – they would obtain mortgage modifications that would make consumers’ loan payments substantially more affordable in virtually every instance. According to the FTC, the defendants also falsely claimed a 90 percent success rate, that only selected customers meeting certain qualifications were offered a loan, and that they had attorneys and forensic accountants on staff. In fact, the FTC alleges that very few homeowners got modifications, the defendants accepted advance fees for services from all applicants, and they had neither lawyers nor accountants on staff.

According to the FTC’s complaint, the defendants solicited consumers by mail designed to look as if it came from a federal government agency, deceptively stating, “a bill has been passed by Congress” that “allows the Nations Housing Modification Center to provide relief for homeowners that are delinquent on their mortgage through the Nations Home Affordable Modification Program.” The defendants also allegedly made misleading statements on their Web site and with consumers who called their toll-free number. The complaint alleges that consumers were misled because the defendants’ promotion is very similar to the real government “Making Home Affordable” program that provides free mortgage loan assistance.

The defendants are Federal Housing Modification Department, Inc., doing business as Nations Housing Modification Center and Loan Modification Reform Association, and Michael A. Trap, Glenn S. Rosofsky, and Bryan P. Rosenberg. The Commission vote to file the complaint was 4-0. The complaint was filed in the U.S. District Court for the District of Columbia on September 16, 2009.

The FTC appreciates the assistance of the Office of the Special Inspector General for the Troubled Asset Relief Program, the office of Jim Freis, Director of the Financial Crimes Enforcement Network of the U.S. Department of the Treasury, the office of Bonnie M. Dumanis, District Attorney, County of San Diego, California, and the Washington, D.C. Division of the U.S. Postal Inspection Service the in this matter.

Infinity Group Services and its president are charged with violating the FTC Act by falsely representing that they would obtain a loan modification in all, or virtually all, instances; that they would give full refunds if they failed to do so; and that they would obtain loan refinancing for an up-front fee of $995.

According to the FTC’s complaint, the defendants’ radio ads and Web site urged consumers to call a toll-free number. Once consumers called, the defendants’ sales personnel promised that, in return for the up-front fee, the company would help them modify their mortgage loans through the Department of Housing and Urban Development’s Hope for Homeowners program. The defendants claimed a high success rate and offered a full refund if they failed. The FTC alleges that the company often failed to obtain loan modifications and either failed to answer or return consumers’ telephone calls or update them about their status. When consumers were able to contact the defendants, they were falsely told that negotiations were proceeding smoothly or that lenders had caused a delay. In many instances, consumers received refunds only after repeatedly complaining to the FTC, the California Attorney General’s Office, or the Better Business Bureau.

The FTC’s complaint further alleged that the defendants also offered mortgage loan refinancing for a “flat fee” of $995 but then sought additional fees ranging from $2,000 to $15,000. In other instances, consumers were led to believe that they had closed on their loans but were later told by the defendants that the loan would not be funded. According to the complaint, the defendants’ Web site stated that there were no hidden costs, but a fine-print footnote stated, “Rates, Fees and Terms are subject to change.”

The defendants are Infinity Group Services, also doing business as IGS, Hope to Homeowners, ASK IGS, and ASK IGS, Inc., and the company’s president, Kahram Zamani. The Commission vote to authorize staff to file the complaint was 4-0. The complaint was filed in the U.S. District Court for the Central District of California, Southern Division, on August 26, 2009.

The FTC also announced developments in four previously filed foreclosure rescue cases:

The FTC has obtained a stipulated federal court order barring Lucas Law Center and its principals from misrepresenting their services and charging up-front fees. The defendants allegedly used an attorney to circumvent California prohibitions against receiving a fee before providing any services. In addition to falsely representing that they would obtain mortgage loan modifications, the defendants allegedly told some homeowners to stop paying their mortgage in order to pay the defendants’ fees of up to $3,995.

The order announced today bars the defendants’ allegedly deceptive practices, pending a trial, and requires them to disable Web sites offering their services and to note the FTC’s lawsuit and the order on the Web sites. The order also requires domain name registrars to prevent any changes to the defendants’ Internet domain name registrations. The order names a permanent receiver over the corporate defendants, extends an earlier asset freeze, and bars the defendants from filing for bankruptcy without the court’s permission. The FTC ultimately seeks consumer restitution and a permanent bar on the defendants’ deceptive practices.

The defendants are LUCASLAWCENTER “INCORPORATED,” Future Financial Services, LLC, Paul Jeffrey Lucas, Christopher Francis Betts, and Frank Sullivan. The complaint was filed in the U.S. District Court for the Central District of California, Southern Division, on July 7, 2009. (see July 15, 2009, press release http://www.ftc.gov/opa/2009/07/loanlies.shtm) The stipulated order was entered on August 24, 2009.

The FTC has obtained a preliminary injunction halting the allegedly deceptive practices of United Credit Adjusters Inc., The Loan Modification Shop, Ltd., and their principals, and freezing their assets, pending a trial. The Commission recently filed an amended complaint in this matter, adding as defendants The Loan Modification Shop, Ltd. and Casey Lynn Cohen, also known as Casey Lynn Collins, alleging that they and one of the original defendants, Ezra Rishty, misrepresented that they would help consumers obtain a mortgage loan modification or stop foreclosure in all or virtually all instances.

The FTC’s original complaint, filed in February 2009, charged seven corporate and three individual defendants with falsely promising to remove negative information from consumers’ credit reports (even information that is accurate and current), charging an up-front fee, and failing to provide written disclosures. (see March 17, 2009, press release http://www.ftc.gov/opa/2009/03/unitedcredit.shtm.) The original defendants are United Credit Adjusters, Inc., doing business as United Credit Adjustors and UCA; United Credit Adjustors, Inc., d/b/a United Credit Adjusters and UCA; United Counseling Association, Inc., d/b/a UCA; Bankruptcy Masters Corp., National Bankruptcy Services Corp., Federal Debt Solutions, Ltd., United Money Tree, Inc., and Ahron E. Henoch, Ezra Rishty, and Gerald Serino, also known as Jerry Serino.

The Commission vote authorizing the staff to file the amended complaint was 4-0. The amended complaint was filed in the U.S. District Court for the District of New Jersey on August 4, 2009. The court entered a preliminary injunction as to all of the defendants on September 1, 2009.

The FTC has obtained preliminary injunctions halting the allegedly deceptive practices of Loss Mitigation Services and its principals, pending a trial. Primarily through direct mail solicitation, the defendants allegedly targeted consumers whose mortgage payments have increased, who have made late payments, and whose homes were in foreclosure. They charged up to $5,500 in advance and promised that a loan modification was assured or virtually assured if consumers hired them. The defendants also misrepresented that they were a department of, or affiliated with, the consumer’s lender or mortgage servicer. In many cases, they failed to obtain loan modifications for consumers, some of whom lost their homes while waiting for the promised results.

The defendants are Loss Mitigation Services, Inc., Synergy Financial Management Corporation, doing business as Direct Lender, and Dean Shafer, Bernadette Perry, and Tony Perry. The complaint was filed in the U.S. District Court for the Central District of California on July 13, 2009. (see July 15, 2009, press release http://www.ftc.gov/opa/2009/07/loanlies.shtm) The litigated preliminary injunction as to the corporate defendants and the stipulated preliminary injunction as to the individual defendants were filed on August 19, 2009.

The FTC has filed an amended complaint in its action pending against Hope Now Modifications, LLC, adding as defendants Michael Kwasnik, Esq. and The Law Firm of Kwasnik, Rodio, Kanowitz & Buckley P.C. The original complaint, filed in March 2009, alleged that the defendants misled consumers about their ability to provide mortgage loan modification and foreclosure relief or to provide refunds if they failed to do so, and misrepresented that they were affiliated with, or part of, the HOPE NOW Alliance, a non-profit organization endorsed by the U.S. Department of Housing and Urban Development. The amended complaint also alleges violations of the Telemarketing Sales Rule.

The Commission vote authorizing the staff to file the amended complaint was 4-0. The complaint and amended complaint were filed in the U.S. District Court for the District of New
Jersey on March 17, 2009, and September 14, 2009, respectively. (see March 24, 2009, press release http://www.ftc.gov/opa/2009/03/newhope.shtm)

The FTC asks homeowners to report foreclosure rescue and mortgage modification scams to FTC.gov or by calling 1-877-FTC-HELP. The FTC makes those complaints available to federal, state, and local law enforcement through the Consumer Sentinel Network. Homeowners in distress can get free help from the Homeowner’s HOPE Hotline 888-995-HOPE (4673), which connects homeowners to HUD-certified housing counselors.

In addition to the FTC’s law enforcement efforts, the agency has initiated a rulemaking proceeding to address the proliferation of companies offering mortgage modification services to determine whether new rules could be useful to protect consumers. The FTC also launched new initiatives to educate consumers on avoiding these scams. For example, the Commission has released a video, “Real People. Real Stories,” featuring people targeted by foreclosure rescue scammers sharing lessons learned from their experiences. The FTC is distributing the video, and a version in Spanish, to more than 5,000 housing counseling and consumer protection organizations around the country, and posting them at FTC.gov/yourhome and YouTube.com/FTCVideos. The Commission’s mortgage-related resources are available at www.ftc.gov/moneymatters.

NOTE: The Commission authorizes the filing of a complaint when it has “reason to believe”
that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the defendants have actually violated the law.

The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 1,500 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s Web site provides free information on a variety of consumer topics.

MEDIA CONTACT:

Frank Dorman
Office of Public Affairs
202-326-2674

STAFF CONTACT:

Nations Housing Modification Center
Loss Mitigation Services
J. Reilly Dolan
Bureau of Consumer Protection
202-326-3292

Infinity Group Services
Gary D. Kennedy
FTC Southwest Region
214-979-9379

Lucas Law Center
James E. Elliott or James E. Hunnicutt
FTC Southwest Region
214-979-9373 or -9381

United Credit Adjusters
Sara DePaul
FTC’s East Central Region
216-263-3429

Hope Now Modifications
Gregory Ashe
Bureau of Consumer Protection
312-960-3719

(LoanModsSept2009)
(FTC File Nos. 0923124, 0923073, 0923135, 0923127, 0823211, X090034)

Federal and State Agencies Target Mortgage Foreclosure Rescue and Loan Modification Scams

September 23, 2009Leave a comment

FTC Leads “Operation Loan Lies” to Stop Fraud and Help Distressed Homeowners

Federal Trade Commission Chairman Jon Leibowitz, joined by California Attorney General Jerry Brown, today announced Operation Loan Lies, a coordinated national law enforcement effort to crack down on mortgage modification scams. The operation involves 189 actions by 25 federal and state agencies against defendants who deceptively marketed foreclosure rescue and mortgage modification services. The FTC actions, which affect consumers throughout the nation, are being announced in southern California, where the scams originated.

“These con artists see the high foreclosure rates as an opportunity to prey on people in distress,” FTC Chairman Jon Leibowitz said. “They promise to rescue homeowners in troubled financial waters, but after they take their money they throw them an anchor instead of a lifeline. People facing foreclosure should avoid any company or individual that requires a fee in advance, guarantees to stop a foreclosure or modify a loan, or advises the homeowner to stop paying the mortgage company.”

The FTC announced four lawsuits, bringing to 14 the number of mortgage foreclosure rescue and loan modification scam cases the Commission has brought since April. Twenty-three state attorneys general and other agencies are participating in the operation, taking action against 178 companies engaged in these types of deception. The FTC also announced a settlement in a lawsuit filed last November.

The FTC charged that the defendants falsely claimed that they would either obtain a mortgage loan modification or stop foreclosure, or both, and that some of the defendants falsely represented that they would give consumers refunds if they failed to do so. After charging consumers the equivalent of one month’s mortgage payment or more in advance, these companies often did little or nothing to help homeowners renegotiate their mortgages or stop foreclosure. After failing to provide the promised services, the defendants that promised refunds did not honor those promises. In each case the FTC is asking the court for consumer redress and a permanent bar on the deceptive practices. The FTC would like to thank the Financial Crimes Enforcement Network (FinCEN) of the Department of the Treasury and the Special Inspector General of the Troubled Asset Relief Program (SIG-TARP) for their invaluable assistance in these cases.

The FTC also released “Real People. Real Stories,” a three-and-a-half minute video about keeping your home. It features people targeted by foreclosure rescue scammers sharing lessons learned from their experiences. The FTC is distributing the video, and a version in Spanish, to more than 5,000 housing counseling and consumer protection organizations around the country, and posting them at FTC.gov/yourhome and YouTube.com/FTCVideos.

The FTC and the states of California and Missouri charged that US Foreclosure Relief falsely claimed years of experience and a high success rate and promised quick results. Instead, homeowners paid the defendants thousands of dollars for services they never received. The FTC also charged the defendants with violating the FTC’s Do Not Call Rule by calling consumers on the National Do Not Call Registry, and California and Missouri charged them with violating state laws that prohibit charging advance fees for foreclosure consulting services. The court immediately barred the practices and froze the defendants’ assets, pending a hearing.

Lucas Law Center allegedly used an attorney to circumvent state prohibitions against receiving a fee before providing any services; the defendants charged up to $3,995 in advance. In addition to falsely representing that they would obtain mortgage loan modifications, the defendants told some homeowners to stop paying their mortgage in order to pay the defendants’ fee. Consumers obtained promised refunds only after repeated complaints to the Better Business Bureau, the California Attorney General, the State Bar of California, or local criminal authorities. The court immediately barred the practices and froze the corporate defendants’ assets, pending a hearing.

Loss Mitigation Services marketed primarily through direct mail solicitation. The defendants allegedly targeted consumers whose mortgage payments have increased, who have made late payments, and whose homes were in foreclosure. They charged up to $5,500 in advance and promised that a loan modification was assured or virtually assured if consumers hired them. The defendants also misrepresented that they were a department of, or affiliated with, the consumer’s lender or mortgage servicer. In many cases, they failed to obtain loan modifications for consumers, some of whom lost their homes while waiting for the promised results.

The FTC alleged that Internet company Apply2Save charged consumers up-front fees of up to $995, claiming they could obtain a loan modification in 30 to 90 days. In fact, they did not obtain loan modifications for most consumers and were unable to stop foreclosures. In most cases, the defendants failed to contact or follow-up with consumers’ lenders. Consumers waited months with no action on their loans, while the defendants lied and told them that the lenders had lost their papers. The defendants have agreed to a court order barring further unlawful practices, pending trial.

In addition to these cases, the FTC reached a settlement with Foreclosure Solutions, LLC and Timothy Buckley, who claimed that, for a fee often exceeding $1,000, they would stop foreclosure (see press release dated April 29, 2008). Many consumers who paid the fee ultimately lost their homes, and others avoided foreclosure only through their own efforts. The settlement order prohibits the defendants from misrepresenting that any foreclosure can or will be stopped, postponed, or prevented, or the likelihood that these results will be obtained; the degree of past success of any efforts to achieve these results; the likelihood that a consumer will receive a full or partial refund if these results are not obtained; an ability to help all consumers, regardless of their individual circumstances; the number of satisfied customers or customer complaints; the terms of any refund or guarantee; and any other fact material to a consumer’s decision to purchase a foreclosure rescue service.

The order also bars the defendants from misrepresenting material facts in the sale of any good or service. In addition, the defendants are prohibited from selling or otherwise disclosing personal information about anyone who provided them with personal information. The order imposes an $8.5 million judgment that will be suspended upon turnover of approximately $5,000 in cash and other property, including the surrender of any net proceeds from the sale of five houses. The full judgment will be imposed if the defendants are found to have misrepresented their financial condition. The order also contains record-keeping and reporting provisions to allow the FTC to monitor compliance.

Operation Loan Lies follows an April 6, 2009, announcement by FTC Chairman Leibowitz, Attorney General Eric Holder, Treasury Secretary Timothy Geithner, Housing and Urban Development Secretary Shaun Donovan, and Illinois Attorney General Lisa Madigan that they would step up enforcement efforts against those who prey on homeowners in distress. Since then, when the FTC announced five similar foreclosure rescue law enforcement actions, the Commission has brought five more cases:

FTC v. Sean Cantkier, Scot Lady, Jeffrey Altmire, Michael Haller, Lisa Roye, Alan LeStourgeon, Kean Lee Lim, Greg Rivera, and Neil Sperry, http://www.ftc.gov/opa/2009/05/mortgageads.shtm
FTC v. Dinamica Financiera LLC, Soluciones Dinamicas, Inc., Valentin Benitez, Jose Mario Esquer, and Rosa Esquer, http://www.ftc.gov/opa/2009/05/mortgagerescue.shtm
FTC v. Brian D’Antonio; The Rodis Law Group, Inc.; American’s Law Group; and The Financial Group, Inc., http://www.ftc.gov/opa/2009/06/medicalcapital.shtm
FTC v. Freedom Foreclosure Prevention Specialists, LLC; Loss Mitigation Training Centers of America, LLC; Jeffrey C. Segal; and Michael R. Workman, http://www.ftc.gov/opa/2009/06/freedom.shtm
FTC v. Federal Loan Modification Law Center, LLP; Anz & Associates, PLC, Venture Legal Support, PLC; LegalTurn, Inc. (a/k/a Legal Turn, Inc.); Federal Loan Modification, LLC; Federal Loan Modifications; SBSC Corporation; Nabile “Bill” Anz; Boaz Minitzer; Jeffrey Broughton; and Steven Oscherowitz, http://www.ftc.gov/opa/2009/06/fedloanmod.shtm

In the four FTC cases announced today, the Commission vote to issue each complaint was 4-0. US Foreclosure Relief, Lucas Law Center, and Loss Mitigation Services were filed in the U.S. District Court for the Central District of California. Apply2Save was filed in the U.S. District Court for the District of Idaho; the FTC acknowledges the assistance of the State of Idaho Attorney General’s Office.

These cases named the following defendants:

US Foreclosure Relief used eight aliases – U.S. Foreclosure Relief, Lighthouse Services, Pacific Shore Financial, California Foreclosure Specialists, H.E. Service Company, Safe Harbor, Pomery & Associates, and Homeowners Legal Assistance. Other defendants are George Escalante, Cesar Lopez, and Adrian Pomery, Esq.

Apply2Save – Apply2Save, Inc., Sleeping Giant Media Works, Inc., and Derek Oberholtzer.

Lucas Law Center – LUCASLAWCENTER “INCORPORATED,” Future Financial Services, LLC, Paul Jeffrey Lucas, Christopher Francis Betts, and Frank Sullivan.

Loss Mitigation Services – Loss Mitigation Services, Inc., Synergy Financial Management Corporation (d/b/a Direct Lender), Dean Shafer, Bernadette Perry, and Tony Perry.

In Foreclosure Solutions, the Commission vote to issue the stipulated final order was 4-0. The order was filed in the U.S. District Court for the Northern District of Ohio, Eastern Division.

The FTC asks people to report foreclosure rescue and mortgage modification scams to FTC.gov or by calling 1-877-FTC-HELP. The FTC makes those complaints available to federal, state, and local law enforcement through the Consumer Sentinel Network. The video also reminds homeowners in distress that free help is available from the Homeowner’s HOPE Hotline 888-995-HOPE (4673), which connects homeowners to HUD-certified housing counselors.

NOTE: The Commission files a complaint when it has “reason to believe” that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. A complaints is not a finding or ruling that the defendants have actually violated the law. Stipulated court orders are for settlement purposes only and do not necessarily constitute an admission by the defendant of a law violation. Stipulated orders have the force of law when signed by the judge.

MEDIA CONTACT:: Frank Dorman
Office of Public Affairs
202-326-2674
STAFF CONTACT:: J. Reilly Dolan
Bureau of Consumer Protection
202-326-3292

(Operation Loan Lies)
(FTC File Nos. 0923120, 0923127, 0923073, 0923117)

FTC Crack Down On Federal Housing Modification Department, Inc.

September 23, 2009Leave a comment

FTC v. Federal Housing Modification Department, Inc. also doing business as Nations Housing Modification Center and Loan Modification Reform Association, Michael A. Trap, Glenn Rosofsky, and Bryan Rosenberg
(United States District Court District of Columbia)

FTC, State Enforcers Sue Scammers, Warn Others; Announce Education Campaign Designed to Reach Borrowers Directly

The Federal Trade Commission today announced a crackdown on fraud and deception by mortgage modification and home foreclosure rescue companies. The FTC is seeking to halt the proliferation of these mortgage relief scams – which target distressed and vulnerable consumers who are delinquent or facing foreclosure – through increased law enforcement, consumer outreach, and close coordination with federal, state, and non-profit partners.

At a joint press conference today, Treasury Secretary Timothy Geithner, Attorney General Eric Holder, Department of Housing and Urban Development Secretary Shaun Donovan, and, on behalf of state enforcers, Illinois Attorney General Lisa Madigan, joined FTC Chairman Jon Leibowitz in warning consumers about these types of scams and in encouraging consumers to seek out free, HUD-approved housing counselors for help with their mortgages. The FTC and Attorney General Madigan also announced enforcement actions and initiatives.

“Scammers are taking advantage of people in a difficult situation – people who are trying to modify their home mortgages or those who are trying to avoid foreclosure. We’re enforcing the law against these scam artists; we’re putting others on notice that unless they change their ways, they’re next; and we’re working with other government agencies, non-profits, and mortgage companies to reach out to our neighbors in distress with the details of how to get help,” said Chairman Leibowitz.

The FTC announced five law enforcement actions against operations using deceptive tactics to market their mortgage modification and home foreclosure relief services, including firms that marketed their “services” by giving the false impression they were affiliated with the federal government. This brings to 11 the number of loan modification and mortgage foreclosure rescue scams brought by the FTC in the last year. More than 20 state law enforcers also have taken actions against companies engaged in these types of deception, including 22 brought by Illinois Attorney General Madigan.

The FTC also announced today that it has sent warning letters to 71 companies who may be deceptively marketing mortgage loan modification or foreclosure rescue services. The FTC identified these companies through a nationwide review of Internet and other advertisements and warned these companies that their ads may violate federal law. State law enforcers also have sent warning letters to companies that are potentially engaging in such illegal practices, including more than 60 warning letters sent by Attorney General Madigan.

Finally, the FTC joined forces with a wide array of government, non-profit and mortgage industry members to launch a new consumer education campaign to help those in financial trouble avoid becoming the victims of a loan modification or foreclosure rescue scam.

FTC’s Law Enforcement Actions

The FTC announces five law enforcement actions targeting perpetrators of mortgage-related scams. According to the FTC, these schemes typically operate in the following way. First, they use terms like “guarantee” and “97% success rate” to mislead consumers about the mortgage modification or foreclosure relief services they can provide; they charge up-front fees for these “services” – fees legitimate nonprofit organizations do not charge; and they use copycat names or look-alike Web sites to appear to be a nonprofit or government entity. Often, after collecting the fee, these companies do little or nothing to help consumers. In each case described below, the FTC is seeking, or already obtained, a temporary restraining order to halt the defendants’ illegal conduct.

Federal Loan Modification Law Center (FedMod). FedMod markets mortgage loan modification and foreclosure relief services to homeowners who are in financial distress, delinquent on their mortgages, or in danger of losing their homes to foreclosure. According to the FTC’s complaint, FedMod charges consumers from $1,000 to $3,000 in fees for these services, much of which must be paid up-front, but fails in numerous instances to obtain the promised loan modifications. In radio advertisements, the FTC alleges, FedMod induces homeowners to call its toll-free number by misrepresenting that it is part of or affiliated with the federal government, although it is not. According to the complaint, FedMod often fails to answer or return consumers’ calls or provide updates about the status of their loan modifications, and assures consumers that negotiations with their lenders are proceeding when, in fact, little or no effort has been made to contact the lender.

Bailout.hud-gov.us. According to the FTC’s complaint, defendant Thomas Ryan used a foreign Internet registrar to falsely register two sites – bailout.hud-gov.us and bailout.dohgov.us. The sites were used to entice financially strapped consumers to seek mortgage loan modification services under the guise that the services were associated with, or were actually, the U.S. government, including HUD and the Treasury Department. The FTC alleges that the defendant misled consumers nationwide. A federal district court granted the FTC’s motion for a temporary restraining order which required the Internet Service Provider (ISP) hosting the sites to immediately remove them from the Internet. The FTC and the defendant stipulated to a preliminary injunction prohibiting him from holding himself out as an agency of any U.S., state, or local government, or as being affiliated with any such agency.

Home Assure d/b/a Expert Foreclosure. In this case, the FTC alleges that the defendants promise consumers facing imminent home foreclosure that they can stop the foreclosure, regardless of the amount the consumer owes his or her lender. The defendants are charged with falsely claiming that they have special relationships with lenders, have helped thousands of consumers avoid foreclosure, and will provide a 100 percent satisfaction money-back guarantee. They typically charge consumers an up-front fee of $1,500 to $2,500 but, the FTC alleges, do little or nothing to help them avoid foreclosure and fail to give refunds when foreclosures are not stopped.

Hope Now Modifications LLC and New Hope Property LLC d/b/a New Hope Modifications LLC. On March 24, the FTC announced two related cases alleging that the defendants misled consumers about their ability to provide mortgage loan modification and foreclosure relief, and misrepresented that they were affiliated with or part of the HOPE NOW Alliance, the non-profit, HUD-endorsed organization that is a broad-based coalition of credit and home ownership counselors, lenders, and other mortgage market participants. In each case, the court issued a temporary restraining order with an asset freeze and set dates for a preliminary injunction hearing. The New Jersey Attorney General also filed state court actions against both sets of defendants, and those cases are in litigation. The FTC’s press release is available at: http://www.ftc.gov/opa/2009/03/newhope.shtm.

FTC’s Warning Letters for Potentially Deceptive Mortgage Relief Ads

The Commission today announced that it has sent warning letters to 71 companies that are marketing potentially deceptive mortgage modification and foreclosure assistance programs. The letters inform these companies that their ads may violate federal law. The ads were identified during a nationwide surf of Internet, direct mail, and spam advertisements that focused on ads for mortgage relief targeted at financially distressed homeowners. These advertisements contain potentially deceptive claims, touting guaranteed results, success rates of over 90 percent, and claiming affiliation with homeowners’ lenders, with the HOPE NOW Alliance, or with federal government programs.

FTC’s Consumer Outreach Efforts

The FTC announced a new education initiative to reach borrowers directly with the help of a broad array of government, non-profit organizations, and mortgage industry members. Through this initiative, borrowers will receive materials about how to spot and avoid mortgage rescue scams at housing counseling outreach centers, directly from their mortgage companies, and online. Joining the FTC in the effort are The HOPE NOW Alliance, the Homeowners Preservation Foundation, and NeighborWorks America, which are non-profit organizations that work to help distressed homeowners get free help and counseling through HUD-certified housing counselors, all of whom work directly with borrowers to help them stay in their homes.

Several national mortgage companies, including Chase Home Lending, Suntrust Mortgage, and GMAC Mortgage, will be voluntarily sending consumer education information directly to consumers through a variety of methods, including during loan counseling sessions, in monthly statements, in correspondence to delinquent borrowers, and on their Web sites. Freddie Mac also is distributing consumer education materials to its servicing partners.

In addition to the New Hope Modifications and Hope Now Modification cases filed last month, the Commission today announced complaints were filed against the following defendants:

FedMod – Federal Loan Modification Law Center LLP doing business as Federal Loan Modification Law Center and under other various other names; Anz & Associates, PLC; LegalTurn, Inc.; Federal Loan Modification LLC; Boaz Minitzer, Nabile Anz, and Jeffrey Broughton. The FTC would like to thank the Attorneys General of California and Idaho, the Better Business Bureau (BBB) of the Southland, the Orange County District Attorney’s Office and the Spokane, Washington BBB for their invaluable assistance in this case. This case was filed in the U.S. District Court for the Central District of California.

Bailout.hud-gov.us – bailout.hud-gov.us, bailout.dohgov.us, and Thomas Ryan. This case was filed in the U.S. District Court for the District of Columbia.

Home Assure – Home Assure, LLC, B Home Associates, LLC, doing business as (dba) Expert Foreclosure, Michael Grieco, Michael Trimarco, Nicholas Molina, and Brian Blanchard. The defendants also have been the subject of law enforcement actions or investigations by the Minnesota, North Carolina, and Florida Attorneys General. This case was filed in the U.S. District Court for the Middle District of Florida, Tampa Division.

The Commission vote to issue each complaint was 4-0.

NOTE: The Commission authorizes the filing of complaints when it has “reason to believe” that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaints are not a finding or ruling that the defendants actually have violated the law.

Copies of the documents related to these cases are available from the FTC’s Web site at http://www.ftc.gov and also from the FTC’s Consumer Response Center, Room 130, 600 Pennsylvania Avenue, N.W., Washington, D.C. 20580. The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 1,500 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s Web site provides free information on a variety of consumer topics.

MEDIA CONTACTS:: Claudia Bourne Farrell and Mitchell J. Katz
Office of Public Affairs
202-326-2180
STAFF CONTACTS:: Peggy Twohig and Alice Hrdy
Bureau of Consumer Protection
202-326-3224

(FTC File Nos. 092-3070 (FedMod); 092-3116 (bailout.hud-gov.us); and 082-3192 (Home Assure, LLC)) (Civ. Nos. SAC09 – 401 CJC (MLGx) (FedMod); 1:09-cv-00535 (bailout.hud-gov.us); and 8:09-cv-547-T23-TBM (Home Assure, LLC))
(FTC-HUD.final.wpd)

Federal and State Agencies Crack Down on Mortgage Modification Scams

September 23, 2009Leave a comment

FTC, State Enforcers Sue Scammers, Warn Others; Announce Education Campaign Designed to Reach Borrowers Directly

The Federal Trade Commission today announced a crackdown on fraud and deception by mortgage modification and home foreclosure rescue companies. The FTC is seeking to halt the proliferation of these mortgage relief scams – which target distressed and vulnerable consumers who are delinquent or facing foreclosure – through increased law enforcement, consumer outreach, and close coordination with federal, state, and non-profit partners.

FTC’s Law Enforcement Actions

FTC’s Warning Letters for Potentially Deceptive Mortgage Relief Ads

FTC’s Consumer Outreach Efforts

In addition to the New Hope Modifications and Hope Now Modification cases filed last month, the Commission today announced complaints were filed against the following defendants:

FedMod – Federal Loan Modification Law Center LLP doing business as Federal Loan Modification Law Center and under other various other names; Anz & Associates, PLC; LegalTurn, Inc.; Federal Loan Modification LLC; Boaz Minitzer, Nabile Anz, and Jeffrey Broughton. The FTC would like to thank the Attorneys General of California and Idaho, the Better Business Bureau (BBB) of the Southland, the Orange County District Attorney’s Office and the Spokane, Washington BBB for their invaluable assistance in this case. This case was filed in the U.S. District Court for the Central District of California.

Bailout.hud-gov.us – bailout.hud-gov.us, bailout.dohgov.us, and Thomas Ryan. This case was filed in the U.S. District Court for the District of Columbia.

Home Assure – Home Assure, LLC, B Home Associates, LLC, doing business as (dba) Expert Foreclosure, Michael Grieco, Michael Trimarco, Nicholas Molina, and Brian Blanchard. The defendants also have been the subject of law enforcement actions or investigations by the Minnesota, North Carolina, and Florida Attorneys General. This case was filed in the U.S. District Court for the Middle District of Florida, Tampa Division.

The Commission vote to issue each complaint was 4-0.

MEDIA CONTACTS:: Claudia Bourne Farrell and Mitchell J. Katz
Office of Public Affairs
202-326-2180
STAFF CONTACTS:: Peggy Twohig and Alice Hrdy
Bureau of Consumer Protection
202-326-3224

FedMod.com – FLM – Federal Loan Modification

September 23, 20091 Comment

FEDMOD.COM – FLM – Federal Loan Modification Been ignored by your mortgage company (OCWEN) try hiring a lawyer for real abuse Los Angeles California

FEDMOD.COM – FLM – Federal Loan Modification
Phone: 877-394-6873
Fax: 323-658-3030
6420 Wilshire Blvd Suite 200
Los Angeles, California 90048
U.S.

After $1500 and three weeks of being ignored still nothing has happened with our loan modification . In fact this company called me last Tuesday to ask if they could process the remainder of the payment (another $1500) 28oct08 of course I asked what was happening with our modification and no one knew what was happening . I told Daniel Geffen ( the man that told me fed mod was a group of lawyers ) { what he meant to say is they are a group of liars } well they took the money from my bankaccount after being told the money was not there . I was notified Wednesday by my bank that I was $500 over drawn. I then attempted to contact Fedmod several phone calls and no one returned any calls (all I get is voice mail)

I was first told Cindy was my case worker . I found a message on my home phone from Cindy . I tried to call back when I got home ( I guess it was too much trouble to call my cell since I am not home in the daytime ) of course she never returned my call . Now after Daniel processed an unauthorized payment I made several attempts to contact someone at Fedmod I finally got a hold of June. She told me my money would be returned .(June has been the only person at Fedmod to actually return a call). June first put me in touch with Jeff Brotton . He called me on Thursday after I still had not received repayment . He told me that my money would be processed that day and He was going to talk to the mortgage company this afternoon and would be in touch afterwards He even gave me his cell # of course he never called back Friday morning I still had not received the payment reversal . Now I was told by Jeff that my case worker was Taren and was given her number . She has never called me . Now Monday after several calls to Jeff Brotton which were never returned . It has now been a week since the unauthorized withdrawal several phone calls to June finally 3pm my money was returned . Now I still have my mortgage company crawling on my back so what is happening with my case? No one knows ! I have since called the California State Bar (fedmod is supposed to be a group of lawyers) surprise!!! they are not registered with California. But I don’t really care and shouldn’t matter since my finance company is in Florida. but anyway California State Bar told me to look up fedmod or Federal Loan Modification at the Better Business Bureau …Guess what surprise they have a D rating urging CAUTION when doing business with them. I did a search before I gave them any money …of course they have only been operating for 6 weeks so here I am warning you about them .

Oh and why did I hire attorneys to deal with my mortgage company ?? Look up OCWEN….and remember my complaint is not in there since there are so many complaints I figured it would be another waste of time …..no one will read all 1500 complaints (and counting)

Michael
Valley Springs, California
U.S.A.

I am going through the same situation

About 3 months ago I saw an ad for Fedmod and knowing my parents needed help I suggested them. We called and spoke to a man by the name Andrew who spoke well getting upset at the right moments and sympathetic at the other moments. After about an hour of talking with him we decided to think about it. I did checks on the company, but never really found anything on them since they were pretty new. At that time there was no listing of them on the BBB site nor ripoffreport. We needed help and called Andrew back and talked another half hour. We finally decided to sign up. We took a loan to start the process and struggled and pinched pennies to pay the rest of the payments. We was told at the start we will be updated weekly but never once got a call. We was told after we sign up they will put in a freeze on the mortgages and for us not to pay them. We had to call them weekly for an update, but we was always told the same thing, we are working on it and it takes time. We was assigned a case manager named Cindy. She never called us and always told us well if you dont hear from me next week call me and we would and she never answered unless you caught her by accident. I believe they had caller ID cause they would answer Hi so and so Cindy will call you back. We left message after message with no call backs from Cindy. We started getting calls from the mortgage company demanding money and threatening forclosures. We would try calling Cindy to let her know but she rarely got on the phone. We would get ahold of Andrew a little more and would tell him of the situation. All Andrew would say is “That is their job to scare you and collect money”. Well 3 weeks ago my mother had a heart attack (she is doing better) but she was desprately wanting to know what fed mod was doing since she is stressing out. I called and was told Cindy is training people so she is out of the office. I called Andrew and spoke to him to tell him everything that is going on he appologized for the slowness and offered sympathy for my mother. He then followed with asking me when can they get their last payment. I asked him when will we get results and he swore to me he will call me the next day. 3 weeks later we never got a call back and been so busy with my mothers health and my back surgery we didnt have time to call. I finally called back yesterday and was told Andrew and Cindy are no longer with the company. No one knew why they were gone and no one knew who is now handling our case. I was told I will get a call back today by a manager so I will update later.

Ripoffreport.com

Business Name / AddressType of BusinessBBB AccreditationFederal Loan Modification Law Center aka Anz & Associates, APC
9460 Balboa Blvd
Northridge, CA 91325
View Report | File Complaint
Real Estate Loans No Federal Loan Modification Law Center, LLP
Multiple Addresses. Click to show / hide all.

65 Enterprise Drive, Suite 255
Aliso Viejo, CA 92656
1239 Victoria Street
Costa Mesa, CA 92627

101 Pacifica Suite 150
Irvine, CA 92618
7555 Irvine Center Drive, Suite 100
Irvine, CA 92618

3435 Wilshire Blvd Suite 2700
Los Angeles, CA 90010

5455 Wilshire Blvd, Suite 914
Los Angeles, CA 90036

5455 Wilshire Suite 700
Los Angeles, CA 90036

6420 Wilshire Blvd., Suite 200
Los Angeles, CA 90048

7383 Hollywood Blvd. Suite 180
Los Angeles, CA 90028
9460 Balboa Blvd

Northridge, CA 90048
21600 Oxnard Street Suite 1700
Woodland Hills, CA 91367

Spamming Websites Feedback- 310-836-4567

September 23, 200910 Comments

SEO Big time spammers. They are using my website feedback form to offer their services. If they did it once every long while would be OK, but these people are doing it 3 to 5 times a DAY. We need to report these people to their state attorney an ours.

Business Name: Internet Marketing Company

Address:: Engineer Road
City:: San Diego
State & Zip:: 92111
Contact Person::
Phone Number:: 310-836-4567
Email:: kittyabraham14@hotmail.com
Type of Business:: Get your website on first page of Google
Comments::

Dear site owner
We are interested to increase traffic to your website, please get back to us in order to discuss the possibility in further detail.
Thanks

SPAMMERS !!! registrar
Anna K Caerera
2034 S Bedford St
Los Angeles, CA 90034
(310) 836-4567
Name: Name Bill Pettus
PhoneNumber: 615 396 4527
FaxNumber: FaxNumber
Email: Email abill4u@aol.com
BestTimeToCall: Morning
State: State
B1: Submit to A2Z Insurance

Name: Tommy L Campbell
PhoneNumber: 615-595-7632
FaxNumber: 615-595-7624
Email: tcampb9@bellsouth.net
BestTimeToCall: Any Time
State: TN
B1: Submit to A2Z Insurance

S1:

all staff name and Bio about each one, and what they specilize in. Also the companies page needs to be under the commercial, personal, Life, Health. Also when someone wants a quote it needs to go to that specialist.

Name: Rojnald Cliff
PhoneNumber: 731-689-0344
FaxNumber: FaxNumber
Email: rjc@gmx.us
BestTimeToCall: Any Time
State: TN
B1: Submit to A2Z Insurance

I bought a small farm and a single axle dump truck (Truck not for Commercial Enterpris) Farm use only – may ocasional be used o
Category: Website
Name: Robert Karlson
Company: Seo Company
Telephone: 000-000-0000
Email: robert3203@gmail.com
Date: 5/20/2009
Time: 4:59:14 PM
Remote Name: 122.161.43.34
Comments

Internet Marketing Services

We would like to get your website on first page of Google.

All of our processes use the most ethical “white hat” Search Engine Optimization techniques that will not get your website banned or penalized.

Please reply and I would be happy to send you a proposal.

Category: Website
Name: John Nelson
Company: T J Machine & Tool, Ltd
Telephone: 817-444-5548
Email: john @ tjmachine.com
Date: 5/28/2009
Time: 12:27:58 PM
Remote Name: 63.99.67.34
Comments

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Category: Website
Name: scieglinc
Company: google
Telephone: 123456
Email: glypeseinge@list.ru
Date: 6/8/2009
Time: 10:40:38 PM
Remote Name: 124.207.43.130
Comments

Good afternoon

We can post your ad to forums and Blogs related to your website. We can bring hundreds of new visitors to your

site as well as see your site jump in pagerank.

Your website will be in the top of the search engine result pages.

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on your link and go to your website, the more ads you will have the more new visitors will brows your website. The

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Try our service FREE at http://www.manoman.135.it

Have a nice day http://www.manoman.135.it

The best way to promoter our lonely website on the Internet

Category: Website
Name: jacob able
Company: SEO Company
Telephone:
Email: jacobable222@gmail.com
Date: 6/17/2009
Time: 6:28:31 AM
Remote Name: 122.173.251.56
Comments

Do you wish you could increase your online leads? Getting a 1st page Google ranking is easier and more cost-effective than you might think. We have helped a lot of businesses thrive in this market and we can help you! Simply hit reply and I’ll share with you the cost and the benefits.See you at the top!

Category: Website
Name: Nathan Kyle
Company: SEO Company
Telephone: 310-836-4567
Email: nathankyle21@gmail.com
Date: 7/3/2009
Time: 1:49:48 AM
Remote Name: 122.173.237.63
Comments

Do you wish you could increase your online leads? Getting a GUARANTEED 1ST PAGE GOOGLE RANKING is easier and more cost-effective than you might think. We have helped a lot of businesses thrive in this market and we can help you! Simply hit reply and I’ll share with you the cost and the benefits. See you at the top!

Category: Website
Name: Austin
Company: SEO Company
Telephone: 310-836-4567
Email: austinsalter175@gmail.com
Date: 7/11/2009
Time: 5:49:04 AM
Remote Name: 122.163.213.45
Comments

Category: Website
Name: Jimmy palacios
Company: SEO COMPANY
Telephone: 310-836-4567
Email: jimmypalacios800@gmail.com
Date: 7/27/2009
Time: 2:27:36 PM
Remote Name: 122.160.99.22
Comments

Category: Website
Name: Ankit Jain
Company: SEO Company
Telephone: 000-000-0000
Email: ankitjain3336@gmail.com
Date: 8/11/2009
Time: 7:22:57 PM
Remote Name: 122.160.99.22
Comments

We are interested to increase traffic, leads and sales to your website. Please get back to us for more details.In order for us to respond to your request for information, please include your company’s website address (mandatory) and or phone number.

Category: Website
Name: Eugene Strickland
Company: SEO Company
Telephone: 000-000-0000
Email: eugene2355@gmail.com
Date: 8/20/2009
Time: 12:30:58 PM
Remote Name: 122.160.99.22
Comments

We would like to get your website on first page of Google.All of our processes use the most ethical “white hat” Search Engine Optimization techniques that will not get your website banned or penalized.Please reply and I would be happy to send you a proposal. In order for us to respond to your request for information, please include your company’s website address (mandatory) and or phone number.

Category: Website
Name: Kitty Abraham
Company: Internet Marketing Company
Telephone: 310-836-4567
Email: kitty.abraham28@hotmail.com
Date: 9/2/2009
Time: 1:45:19 AM
Remote Name: 122.160.99.22
Comments

Dear site owner We are interested to increase traffic to your website, please get back to us in order to discuss the possibility in further detail. Thanks

Category: Website
Name: Kitty Abraham
Company: Internet Marketing Company
Telephone: 310-836-4567
Email: kitty.abraham27@hotmail.com
Date: 9/5/2009
Time: 3:08:40 AM
Remote Name: 122.160.99.22
Comments

Dear site owner We are interested to increase traffic to your website, please get back to us in order to discuss the possibility in further detail. Thanks

Category: Website
Name: Kitty Abraham
Company: Internet Marketing Company
Telephone: 310-836-4567
Email: kitty.abraham12@hotmail.com
Date: 9/12/2009
Time: 7:40:17 AM
Remote Name: 122.160.99.22
Comments

Dear site owner We are interested to increase traffic to your website, please get back to us in order to discuss the possibility in further detail. Thanks

Category: Website
Name: Message
Company: value
Telephone: value
Email: gillgales@gillgales.com
Date: 9/20/2009
Time: 8:11:07 AM
Remote Name: 211.128.104.122

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Business Name: Internet Marketing Company

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Buying Prescription Drugs Online
May Be Dangerous
Says Drug Enforcement Administration

FTC v. Federal Housing Modification Department, Inc. also doing business as Nations Housing Modification Center and Loan Modification Reform Association, Michael A. Trap, Glenn Rosofsky, and Bryan Rosenberg
(United States District Court District of Columbia)

FTC v. Federal Housing Modification Department, Inc. also doing business as Nations Housing Modification Center and Loan Modification Reform Association, Michael A. Trap, Glenn Rosofsky, and Bryan Rosenberg
(United States District Court District of Columbia)