Prime Legal Plans LLC


Consumer Alert
Prime Legal Plans LLC

February 4, 2013

Mortgage Relief Scam

The Washington State Department of Financial Institutions (DFI) received a complaint from a Washington consumer who indicated he had paid a $3,000 retainer fee to a Prime Legal Plans as an intermediary for a law firm out of Detroit, Michigan identified as the Litvin Law Firm.

The Washington consumer indicated that he believed he had contracted and paid a retainer for loan modification services with an entity by the name of Litvin Law Firm, but after 5-6 months the attorneys for the firm withdrew from his case and the law firm is no longer response to his attempts to communicate.

Federal Trade Commission Lawsuit

The following information is provided by Prime Access Management regarding the FTC lawsuit against Prime Legal Plans:

On Monday, September 24th, 2012, the United States District Court for the Southern District of Florida (the “Federal Court”), entered a Temporary Restraining Order (TRO) which prohibits Prime Legal Plans LLC, together with its related entities, and the individuals who control and/or work for Prime Legal Plans LLC (collectively “Prime”) from contacting homeowners and seeking to or collecting any monies from consumers for mortgage assistance relief related services.

On Thursday, September 27th, 2012, the TRO was served and effected upon Prime by the Federal Trade Commission (the “FTC”), who filed the lawsuit that led to entry of the TRO, and the court-appointed receiver, Charles H. Lichtman, Esq., (the Receiver), who shut down Prime and took control of its property and assets. Among other things, the TRO requires the Receiver to preserve all of Prime’s computer data, documents, or other records related to Prime’s business practices that are the subject of the TRO.

On October 12, 2012, the TRO was converted into a Preliminary Injunction and Order Continuing Asset Freeze and Other Provisions of the TRO, and Appointing a Permanent Receiver (the “Preliminary Injunction”). The Receiver has also been charged with protecting the interests of the consumers by investigating matters related to the receivership defendants and potentially bringing lawsuits to recover money for the benefit of any victimized consumer. This process is underway, and we encourage all consumers to periodically check trusteeservices.biz/PLP/PLPhome.html for information and further, to contact us with any information if they feel they have been treated improperly by any receivership defendant, person or related party. The legal entities placed under the Receiver’s control include: Prime Legal Plans LLC.

Additionally, the Federal Trade Commission (FTC) has provided the following information regarding Prime Legal Plans on its website at www.ftc.gov/opa/2012/10/phonymortgage.shtm:

Prime Legal Plans/Reaching U Network: The FTC alleged that from at least mid-2010, the defendants behind this scheme marketed mortgage relief services in English and Spanish, including under the names “Reaching U Network,” and “American Legal Plans.” They allegedly told consumers who were in debt that attorneys would review their mortgage loan documents to see if their lenders complied with state and federal mortgage laws, and would use the resulting “forensic audit” information to help save their homes and negotiate more favorable mortgage terms. The defendants told consumers that “80 percent of mortgages contain some fraud,” and “Our network attorneys have helped hundreds of Americans stay in their homes,” according to the FTC complaint.

But instead of helping consumers, the defendants charged them up to $750 a month, while little or nothing was done to save their homes from foreclosure, and running an operation that a court found was “permeated with illegal practices” , according to the FTC.

The FTC alleged that on company websites, the defendants would falsely claim to be a “private charity working for struggling consumers that can’t afford legal representation.” When responding to consumers who called the toll-free number on the websites, and when cold-calling consumers, including those listed on the Do Not Call registry, the defendants routinely failed to provide the disclosures required by the MARS Rule, collected up-front fees, and misrepresented the results that consumers could expect, according to the complaint. The FTC charged that the defendants violated the Telemarketing Sales Rule, the FTC Act, and the MARS Rule by: calling consumers whose numbers were listed on the Do Not Call Registry; not paying the required annual fee to access the Registry; misrepresenting that they would get mortgage modifications to make consumers’ payments significantly more affordable and help prevent foreclosure, and that they would use so-called forensic audits to do this; misrepresenting the amount of time it would take to get results; failing to provide required disclosures about mortgage modification relief; and collecting advance fees.

A federal judge granted the FTC’s request for a temporary restraining order and ordered a freeze of the defendants’ assets and the appointment of a receiver.

Verify Licenses

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on DFI’s website at www.dfi.wa.gov.

Report Fraud

If you are suspicious of unlicensed activity by a mortgage broker, consumer lender, money transmitter, or escrow agent; contact the Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you feel you have been the victim of a loan scam, contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at www.ftc.gov.

If you feel you have been the victim of a scam involving the Internet, contact the Internet Crime Complaint Center at www.ic3.gov.

If you feel you have been the victim of a scam and are concerned about your personal financial information, contact your banking institution and the three major credit bureaus

Island Finance LLC


Consumer Alert
Island Finance LLC

Also Doing Business As:

  • White Hills Cash LLC
  • whitehillscash.com

Unlicensed Payday Loans

Updated: February 15, 2013

The Washington State Department of Financial Institutions (DFI) has received complaints against Island Finance, LLC d/b/a White Hills Cash. It appears that this entity is operating as a tribal online payday lender. This entity stated they are an entity wholly owned by the Fort Belknap Indian Community on the Fort Belknap Reservation of Montana, and that it has sovereign immunity. This entity asserts that it is not subject to regulation by DFI and that only the United States Government has jurisdiction over federally recognized Indian Tribes and their business activities.

Neither Island Finance nor White Hills Cash are licensed by DFI. This entity is not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Island Finance, LLC d/b/a White Hills Cash operates a website at whitehillscash.com and lists its phone number as (800)-986-1962. The address that has been associated with this entity is: P.O. Box 552 Harlem, MT 59526.

Submit Complaints

If you have a complaint against White Hills Cash you can mail it to:

White Hills Cash
c/o Michael Fox
PO Box 330
Fort Belknap Agency
Hays, MT 59527

Payday Loan Debt Collection Laws

Washington State law prohibits threatening or harassing behavior by individuals attempting to collect a debt. The federal Fair Debt Collection Practices Act states that debt collectors must send consumers a written notice within five days of the first collection phone call, stating the amount of the debt and what it relates to. Debt collectors cannot state or imply that failure to pay a debt is a crime. They cannot call before 8:00 a.m. or after 9:00 p.m. They cannot harass or abuse consumers, or contact consumers’ places of employment.

Verify Licenses

DFI strongly recommends that residents verify the license of any lender with which they consider doing business with. Consumers are urged to verify licensing status prior to giving the lender nonpublic personal information, such as social security number and checking account access. You can verify a license with DFI at www.dfi.wa.gov or by calling 1.877.RING DFI (746-4334).

Report Violators

If you feel you have been the victim of a loan scam, contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at www.ftc.gov.

If you feel you have been the victim of a loan scam involving the Internet, contact the Internet Crime Complaint Center at www.ic3.gov.

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.

CheckProcess ~ checkprocess.com


scamFRAUDalert see it appropriate to issue this ALERT as there consumer alertcontinue to complaints regarding unauthorized Debit and Credit cards withdrawals.

On 11/12/2012 this company’s accreditation in BBB was revoked by BBB’s Board of Directors due to failure to eliminate the underlying cause of complaints on file with the BBB and unresolved complaint(s).

scamFRAUDalert willing to removing this ALERT once CheckProcess.com have put in place measures to protect consumers from unauthorized charges.

check process

www.roid-shop.com


Drug Enforcement Agency

United States of America


The Ryan Haight Act Known as
Online Pharmacy Consumer Protection Act of 2008
Sec. 2. Requirement of a valid prescription for
controlled substances dispensed by means of the Internet.

SUMMARY: The Ryan Haight Online Pharmacy Consumer Protection Act,
which was enacted on October 15, 2008,amended the Controlled Substances Act and Controlled Substances Import and Export Act by adding several new provisions to prevent the illegal distribution and dispensing of controlled substances by means of the Internet.


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  6. http://www.roid-shop.com
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Address lookup
canonical name roid-shop.com

aliases
addresses 50.116.102.139
Domain Whois record

Queried whois.internic.net with “dom roid-shop.com

Domain Name: ROID-SHOP.COM
Registrar: GANDI SAS
Whois Server: whois.gandi.net
Referral URL: http://www.gandi.net
Name Server: NS1.MYDYNDNS.ORG
Name Server: NS2.MYDYNDNS.ORG
Name Server: NS3.MYDYNDNS.ORG
Name Server: NS4.MYDYNDNS.ORG
Name Server: NS5.MYDYNDNS.ORG
Status: clientTransferProhibited
Updated Date: 22-dec-2011
Creation Date: 06-apr-2007
Expiration Date: 06-apr-2018

Last update of whois database: Mon, 18 Feb 2013 15:11:22 UTC
Queried whois.gandi.net with “roid-shop.com

domain: roid-shop.com
reg_created: 2007-04-06 10:57:16
expires: 2018-04-06 10:57:16
created: 2008-10-17 15:47:03
changed: 2011-12-23 03:33:10
transfer-prohibited: yes
ns0: ns1.mydyndns.org
ns1: ns2.mydyndns.org
ns2: ns3.mydyndns.org
ns3: ns4.mydyndns.org
ns4: ns5.mydyndns.org
owner-c:
nic-hdl: DMS75-GANDI
organisation: ~
person: Domain Mngmnt Solution Co Ltd
obfuscated: Obfuscated by Gandi
address: (Gandi) 63-65 boulevard Massena
zipcode: (Gandi) 75013
city: (Gandi) Paris
country: (Gandi) France
phone: (Gandi) +33.170377666
fax: (Gandi) +33.143730576
email: 3153f2f93a4931cff41a5ade73a60233-1191423@contact.gandi.net
lastupdated: 2012-07-13 11:16:39
admin-c:
nic-hdl: DMS75-GANDI
organisation: ~
person: Domain Mngmnt Solution Co Ltd
obfuscated: Obfuscated by Gandi
address: (Gandi) 63-65 boulevard Massena
zipcode: (Gandi) 75013
city: (Gandi) Paris
country: (Gandi) France
phone: (Gandi) +33.170377666
fax: (Gandi) +33.143730576
email: 3153f2f93a4931cff41a5ade73a60233-1191423@contact.gandi.net
lastupdated: 2012-07-13 11:16:39
tech-c:
nic-hdl: DMS75-GANDI
organisation: ~
person: Domain Mngmnt Solution Co Ltd
obfuscated: Obfuscated by Gandi
address: (Gandi) 63-65 boulevard Massena
zipcode: (Gandi) 75013
city: (Gandi) Paris
country: (Gandi) France
phone: (Gandi) +33.170377666
fax: (Gandi) +33.143730576
email: 3153f2f93a4931cff41a5ade73a60233-1191423@contact.gandi.net
lastupdated: 2012-07-13 11:16:39
bill-c:
nic-hdl: DMS75-GANDI
organisation: ~
person: Domain Mngmnt Solution Co Ltd
obfuscated: Obfuscated by Gandi
address: (Gandi) 63-65 boulevard Massena
zipcode: (Gandi) 75013
city: (Gandi) Paris
country: (Gandi) France
phone: (Gandi) +33.170377666
fax: (Gandi) +33.143730576
email: 3153f2f93a4931cff41a5ade73a60233-1191423@contact.gandi.net
lastupdated: 2012-07-13 11:16:39

Network Whois record

Queried rwhois.websitewelcome.com with “50.116.102.139”…

%rwhois V-1.5:003eff:00 rwhois.websitewelcome.com (by Network Solutions, Inc. V-1.5.9.5)
network:Class-Name:network
network:ID:NETBLK-BO.50.116.102.139/32
network:Auth-Area:50.116.64.0/18
network:Network-Name:BO-50.116.102.139/32
network:IP-Network:50.116.102.139/32
network:IP-Network-Block:50.116.102.139 – 50.116.102.139
network:Organization;I:roi.roid-shop.com
network:Tech-Contact;I:support@websitewelcome.com
network:Admin-Contact;I:support@websitewelcome.com
network:Created:20111226
network:Updated:20130204
network:Updated-By:support@websitewelcome.com

network:Class-Name:network
network:ID:NETBLK-BO.50.116.64.0/18
network:Auth-Area:50.116.64.0/18
network:Network-Name:BO-50.116.64.0/18
network:IP-Network:50.116.64.0/18
network:IP-Network-Block:50.116.64.0 – 50.116.127.255
network:Organization;I:WEBSITEWELCOME.COM
network:Tech-Contact;I:support@websitewelcome.com
network:Admin-Contact;I:support@websitewelcome.com
network:Created:20111117
network:Updated:20111117
network:Updated-By:support@websitewelcome.com

%referral rwhois://root.rwhois.net:4321/auth-area=.
%ok

Queried whois.arin.net with “n 50.116.102.139″…

NetRange: 50.116.64.0 – 50.116.127.255
CIDR: 50.116.64.0/18
OriginAS:
NetName: HGBLOCK-3
NetHandle: NET-50-116-64-0-1
Parent: NET-50-0-0-0-0
NetType: Direct Allocation
RegDate: 2011-09-07
Updated: 2012-03-02
Ref: http://whois.arin.net/rest/net/NET-50-116-64-0-1

OrgName: WEBSITEWELCOME.COM
OrgId: BO
Address: 11251 Northwest Freeway
City: Houston
StateProv: TX
PostalCode: 77092
Country: US
RegDate: 2011-02-16
Updated: 2012-07-20
Ref: http://whois.arin.net/rest/org/BO

ReferralServer: rwhois://rwhois.websitewelcome.com:4321

OrgNOCHandle: IPADM551-ARIN
OrgNOCName: IP Admin
OrgNOCPhone: +1-866-964-2867
OrgNOCEmail: ipadmin@websitewelcome.com
OrgNOCRef: http://whois.arin.net/rest/poc/IPADM551-ARIN

OrgAbuseHandle: IPADM551-ARIN
OrgAbuseName: IP Admin
OrgAbusePhone: +1-866-964-2867
OrgAbuseEmail: ipadmin@websitewelcome.com
OrgAbuseRef: http://whois.arin.net/rest/poc/IPADM551-ARIN

OrgTechHandle: IPADM551-ARIN
OrgTechName: IP Admin
OrgTechPhone: +1-866-964-2867
OrgTechEmail: ipadmin@websitewelcome.com
OrgTechRef: http://whois.arin.net/rest/poc/IPADM551-ARIN

RTechHandle: IPADM551-ARIN
RTechName: IP Admin
RTechPhone: +1-866-964-2867
RTechEmail: ipadmin@websitewelcome.com
RTechRef: http://whois.arin.net/rest/poc/IPADM551-ARIN

RNOCHandle: IPADM551-ARIN
RNOCName: IP Admin
RNOCPhone: +1-866-964-2867
RNOCEmail: ipadmin@websitewelcome.com
RNOCRef: http://whois.arin.net/rest/poc/IPADM551-ARIN

RAbuseHandle: IPADM551-ARIN
RAbuseName: IP Admin
RAbusePhone: +1-866-964-2867
RAbuseEmail: ipadmin@websitewelcome.com
RAbuseRef: http://whois.arin.net/rest/poc/IPADM551-ARIN

DNS records

DNS query for 139.102.116.50.in-addr.arpa returned an error from the server: NameError
name class type data time to live
http://www.roid-shop.com IN CNAME roid-shop.com 43200s (12:00:00)
roid-shop.com IN SOA
server: ns1.mydyndns.org
email: zone-admin@dyndns.com
serial: 2011122307
refresh: 10800
retry: 1800
expire: 604800
minimum ttl: 1800
86400s (1.00:00:00)
roid-shop.com IN A 50.116.102.139 60s (00:01:00)
roid-shop.com IN NS ns3199.dns.dyn.com 86400s (1.00:00:00)
roid-shop.com IN NS ns4167.dns.dyn.com 86400s (1.00:00:00)
roid-shop.com IN NS ns2176.dns.dyn.com 86400s (1.00:00:00)
roid-shop.com IN NS ns1183.dns.dyn.com 86400s (1.00:00:00)
roid-shop.com IN MX
preference: 10
exchange: roi.roid-shop.com
3600s (01:00:00)

— end —