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USMAC Law Group - Is it a loan modification scam?

Have anyone heard of ( Elect Group,LLC in Coral Springs FL.)
Iam in default for about 3000.00 on my loan with 8.5 fixed rate.
They wont 1.995 up front .To begin paper work on a loan modification
said that they should beable get me 4.fixed rat. Do anyone thank that this might be a scam[/b]

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Everything written above is about half true. I have extensive personal experience. I contacted my lender Metlife, both my agent and the actual lender office, about Loan Modification and I was told it was impossible, that the lender wouldn't even think in terms of load modification. I saw an ad and contacted the Dillon law firm ("Dillon") and paid them $3500 in two montly payments to convince Metlife to mod my loan. I got a guarantee.

Metlife is impossible to work with. They are one of the most obstinate. It dragged on for months and months. The Dillon people were certainly trying, I could tell. But they were too busy and sometimes it was nearly impossible to get a response from them. I only got to talk to an actual attorney once. And the contacts were notw with USMAC. Then, finally, I got a Forbearance offer from Metlife. It was ok (reduced my monthly payment by about $500). I went through 3 Forbearance payments and then never got an offer from Metlife. I went straight back to Dillon, but it was officially USMAC, and I heard Dillon was out of business. I had to sign a USMAC agreement for them to continue working on it. Since then, they have been VERY unresposive. Metlife again hit my credit report with a new 120-day late notice. I am about to hire an attorney and sue them all.

Like | Dislike | Share | Posted: Thu, 10/22/2009 - 11:34 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi jeffecfd!

Welcome to forums!

I would suggest you to contact the State Attorney General and the BBB and file a complaint against them. You can even contact a lawyer who will help you in negotiating with them and get your money back.

Feel free to ask if you've further queries.

Sussane

Like | Dislike | Share | Posted: Fri, 06/04/2010 - 00:01

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I, too, was a victim of USMAC, who got $3500.00 from us to remodify our mortgage. They were horrible with returning phone calls, and I ended up remodifying my mortgage, myself with my lender. However, my payment did not change much, by only $60.00, which is really insignificant when your mortgage is $2392.00 a month. Can't these crooks of USMAC be stopped and is there any way that the trusting public, can get their money back for a service never provided?

Like | Dislike | Share | Posted: Sun, 10/03/2010 - 11:00 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

USMAC law group is indeed an scam....

Like | Dislike | Share | Posted: Thu, 01/20/2011 - 11:58

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

THERE A SCAM THEY GOT ME LAST YEAR, I PAYED THEM 2500.00 AND THEY DID'NT DO ANYMORE THEN IF I TALKED TO MY LENDER. IS THERE AN ATTOURNEY OUT THERE THAT'S DOING A BLANKET LAW SUIT AGAINST MAC .

Like | Dislike | Share | Posted: Tue, 02/15/2011 - 17:25 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Big time scammers....employees are anyone who walks off the street and willing to kiss ass to scott and his puppets. Take it from me, I used to work there and quit, they are a bunch of ...!! Stay far away from them or any company owned or ran by scott gimbel, daniel moder, maribel aranda!!

[size=9:f7130d9a97][color=Red:f7130d9a97][Abusive language deleted as per forum rules. Thanks.][/color:f7130d9a97][/size:f7130d9a97]

Like | Dislike | Share | Posted: Wed, 01/13/2010 - 14:14 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i hope they don't read this - what you've called them is slanderous, angel.

Like | Dislike | Share | Posted: Wed, 01/13/2010 - 14:27

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

adonis, you are absolutely correct in making that statement. no borrower needs to use a third party. however, so few people are comfortable with the process that they feel it necessary to have someone speak for them in order to navigate through the vagaries of this modification process.

the key, of course, is to find someone who is a true advocate - someone trustworthy, reasonable and valuable. value is not necessarily determined by fee, either. one's fee could be high, as we've seen too many times, and the service can be atrocious. a low fee can also lead to bad service.

i think a fee ought to be structured in such a way that all potential costs can be covered, while at the same time allowing the person performing the service to be compensated justly for time and effort as well as effectiveness.

Like | Dislike | Share | Posted: Tue, 01/26/2010 - 07:29

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I Mrs.Sorji Grice ,I give out loans to serious minded individuals. I give out my loan at 3% rate, minimum of $5,000.00 and a maximum of
$120,000,000.00 and £5,000.00 to £120,000,000.00GB Pounds.. Contact now
with this info below:
FULL NAMES:..
COUNTRY:
STATE:
ADDRESS:
SEX:
AGE:
MONTHLY INCOME:
AMOUNT NEEDED TO LOAN:.
PURPOSE OF LOAN:.
DURATION OF LOAN:.
TELEPHONE NUMBER:.

[size=9:b75542e299][color=Red:b75542e299][Email address deleted as per forum rules. Thanks.][/color:b75542e299][/size:b75542e299]

Like | Dislike | Share | Posted: Fri, 01/15/2010 - 06:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Betty,
DO NOT retain USMAC Law Group they are not Lawyers they are a bunch of criminals taking money from innocent home owners. Do Not get manipulated by these felons. They will take your money and you will be out the money and your home.
Type USMAC law in your address bar, there is not ONE good comment on this company. Everything about USMAC on the internet is negative. Youll see. DO NOT HIRE USMAC THEY ARE LOAN FRAUDULENT>

Like | Dislike | Share | Posted: Mon, 02/08/2010 - 11:42 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

This company gives false information by saying that they are attorneys, this is false! They are using attorneys bar numbers without the REAL attorneys knowledge! Not only have I spoken to all the attorneys that USMac Law Firm claimed to have working for them, I have filed complaints with the better business bureau, state bar for attorneys, ca attorney general, and the federal trade commission. if you need help please contact HopeNow .com they can and will help you.

Like | Dislike | Share | Posted: Thu, 04/08/2010 - 16:49 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Dont trust these people they got 1800.00 from us told us not to pay mortgage payments, this would help us get approved. It has been a 9 month rat race and have gotten no where. So please do your research this group is a joke!!!!!!!!! YOU WILL NOT GET YOUR MONEY BACK!!!!!!!!

Like | Dislike | Share | Posted: Mon, 02/01/2010 - 13:33 | Post subject:

dealsbells's picture
dealsbells | Joined: May 9, 2011 11:13 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Legal Subcommittee of the USMac is a complete hoax. Please do not pay their money to modify your loan. They have taken thousands of money! They do not have the people in that place to get your loan modification. This is a brilliant owner has taken in many cases, they are lucky if they can modify a single loan. Do not trust them.

Like | Dislike | Share | Posted: Mon, 05/09/2011 - 11:30

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Valerie Nelson why are you trashing USMAC?
I worked with you at the Enterprise office TEAM MODZILLA, USMAC is not a scam at all, you know these loanmods can take anywhere from 2-12 months, USMAC submits the file multiple times if needed, the customers get very impatient, the lenders hate to modify, people choose to hire USMAC, its a service, We all have seen the completed loan mods and their are thousands of them. NO BULL$%^&. Everyone hates the owner Scott Gimbel, it is what it is, as for Maribel she is cool and she bounced months ago and Danny is cocky arrogant but everyone loves him their and he holds it together somehow.
I quit because the marketing slowed down, but I can assure all customers.

USMAC IS NOT A SCAM

Like | Dislike | Share | Posted: Fri, 01/15/2010 - 08:40 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

sorji, yours is a horrendous waste of space and time

oc lo, can you imagine the skepticism among those who are reading these posts? it's like a game that children play:
yes you are
no i'm not
yes you are
no i'm not

so tell me, why would anyone believe the positive things? people who speak negatively usually do so only after their hearts begin to ache, and of course, we anticipate that the corporate response would be denial.

why should we believe you? are there statistics to back up these claims of being helpful to troubled homeowners?

Like | Dislike | Share | Posted: Fri, 01/15/2010 - 10:21

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

to piggyback on my last remark:

i don't see the negative comments as vindication in this scenario, but as a warning. all of us ought to realize that we need to go into things with our eyes wide open, and not trust everyone who has a scheme that will bail us out.

i wish we never saw any of these complaints about these companies. that would mean they're doing what they advertise they can do, and that would be beneficial. if someone can truly help and they can make a few bucks in the process, well that's "the american way" after all. we just seem to have had a few underhanded people get in line at the money trough.

Like | Dislike | Share | Posted: Sun, 11/15/2009 - 19:41

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Government Programs DO NOT require 3rd-parties !!!

[color=Red:026fbb2d25][URL Deleted as per forum rules. Thanks][/color:026fbb2d25]

Like | Dislike | Share | Posted: Mon, 03/07/2011 - 09:14 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

ray, what direct contact have you had with your mortgage lender? have you laid it all on the people who are "handling" your modification request? it behooves you to contact the lender posthaste and try to resolve this now. making a payment won't work at this time - the lender will kick it back to you immediately, because their foreclosure action has already taken place.

your first step is to contact the lender or the lender's representative immediately.

Like | Dislike | Share | Posted: Sat, 02/06/2010 - 07:46

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I work for a bank and its very painful to see people paying these so called "3rd Party Companies" a fortune to get something done which was free of cost in reality!

I agree totally with George, People should go to Hud.gov and there is a huge list of Non-profit organisations which are willing to help you free of cost.

Common perception of people is that if they pay they will get good results and if they take free assistance they will end up getting nothing...Now that's a complete lie.

Save yourself from these self styled Saviour's of your homes.

Like | Dislike | Share | Posted: Wed, 01/06/2010 - 06:02 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Valerie Nelson was an ex employee, not sure why she is slamming the managers and the company, she has been gone for a long time, probably can't get a job anywhere, as far as scamming people, USMAC really does a lot of loan mods, they have big books in the office of each loan mod success available for inspection. I have seen the books myself.

Like | Dislike | Share | Posted: Mon, 01/18/2010 - 13:57 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

yes USMAC is a scam 100% do not trust them you will lose your house and any money you give them stay away!

Like | Dislike | Share | Posted: Wed, 10/21/2009 - 05:16 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

it's really distressing to see so much slanderous material being posted these days.

Like | Dislike | Share | Posted: Mon, 01/18/2010 - 18:38

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

LOAN MODIFICATION IS A GOVERNMENT PROGRAM ...

it does not require a third-party !!!

Like | Dislike | Share | Posted: Thu, 05/12/2011 - 14:41

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

The USMac Law Group is a complete scam. Please do not pay them money to modifiy your loan. They have taken thousands of people for their money! They do not have the people in place to get your loan modified. This brilliant owner has taken in so many cases they will be lucky if they can modify a single loan. Don't trust them

Like | Dislike | Share | Posted: Wed, 11/18/2009 - 09:40 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

they said they could help me keep my home, but first I had to pay them 2495.00. I was told not to make any more house payments and to pay them first. I did. then I got the run around, they kept switching the person I was to contact. they did that so long that I started getting a foreclosure notice. I call and told them that and the run around kept going. Long story short. I am loosing my home. They called me a week before my forclosuer date and said they can not help. massed up my credit and they will not give me my money back that STOLED.
WARNNG; DO NOT USE THIS SO CALLED LAW GROUP. usmac

Like | Dislike | Share | Posted: Fri, 12/18/2009 - 11:36 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

please, everyone who may be facing this sort of situation, there are FREE counselors available to assist homeowners in the modification morass. go to fha.gov website and search for counselors, and you'll find that there are plenty of them in your own personal area.

why pay when you can get professional assistance for free?

Like | Dislike | Share | Posted: Sun, 12/06/2009 - 20:17

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i gather that you must have some special knowledge of usmac group, eh concerned?

Like | Dislike | Share | Posted: Wed, 11/18/2009 - 09:50

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I am ANGRY! I now know that this firm is a scam...We tried going though our servicing company to modify our loan after I lost my job, and they would not help us! By the way, I had never heard of this servicing company and I have been in the mortgage business for 14 years. Come to find out, our home was owned by a private lender. So, we contacted this law group. They were able to get us a trial modification for 3 months, and then suddenly every contact person we had there was gone! And the servicing company never contacted us and our loan was sold to another lender. The servicing company got $12K+ and the law group got $4K+ and now right before Christmas, we have lost our home! IT'S A SCAM!

Like | Dislike | Share | Posted: Sat, 12/05/2009 - 08:37 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

YES USMAC IS A SCAM THEY TOOK $3795 FOR THEIR SERVICES. WHICH THEY NEVER DID PROVIDE. I HAVE NOT BEEN ABLE TO CONTACT THEM FOR OVER A YEAR , UNTIL THEY SENT ME A LETTER THIS MONTH BECAUSE I HAVE BEEN TRYING TO WORK WITH MY MORTGAGE COMPANY BECAUSE THEY DID NOT, FOR BREACH OF CONTRACT. USMAC IS THE ONE WHO IS IN BREACH OF CONTRACT, NOT ME!

Like | Dislike | Share | Posted: Fri, 04/29/2011 - 18:41 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Respectfully, George M. Akerley, I have to ask you to pull your head out of your ass. Telling people to work directly with banks is like asking someone not to hire an attorney in court. Sure its alot cheaper but the person knows nothing about what there doing. Going through HUD is like going through a public defender; you get what you pay for, which is nothing. I understand George that you are trying to help people but you need to research what you say. 90% of a loan modification is based on a homeowners' financials and submission. If any of this is done wrong; the file will be declined. I am not arguing that mod companies may not be doing what they promise but telling people to go directly to the bank is even worse. CNN has just recently released articles that the banks are converting only about 4% of the trial mods into permanent mods. So if you do not know what are you doing; be prepared to be eaten by the true monster, which is the bank. Car mechanics are known to rip people off; so would advise people not to trust any mechanic at all and attempt to fix their brakes by themselves??? Hey, why not its free right? Your heart is the right place George but before you play Robin Hood; research all spectrums of your advice first because you being doing your listeners more harm!!

Like | Dislike | Share | Posted: Fri, 12/11/2009 - 17:49 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

There are not a scam! It is one of the most respected companies that are actually getting mods done. A bunch of haters on this page who are only giving their opinion!!

Like | Dislike | Share | Posted: Thu, 11/12/2009 - 12:55

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guggles,

I agree with you. It is always better to contact the lender directly and apply for loan modification. If a third party is contacted for loan modification, then they will charge extra fees and there is no guarantee that the lender will approve the modification.

Like | Dislike | Share | Posted: Thu, 05/12/2011 - 22:50

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

we all know there's only one Savior.

Like | Dislike | Share | Posted: Wed, 01/06/2010 - 10:33

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

ive been dealing with USMAC Law Group for months now and all they've done is take my money over 1300 and nothing yet. i could never get anyone on the phone, and they never call back after leaving tons of messages still no answer, but they do send me tons of paper work to fill out, and bills to pay them. So be very careful, i would never never do anything with them again.

Like | Dislike | Share | Posted: Wed, 02/10/2010 - 08:35

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i've been dealing with USMAC Law group for months now and they haven't fix or done anything other then take money. I can never get anyone on the phone, even after leaving tons of messages and still nothing, no one ever calls back. But they have send me tons of paper work to fill out and bills for me to pay. they have even pulled money from my bank account without my consent. Be very careful i would never never deal with them again.

Like | Dislike | Share | Posted: Wed, 02/10/2010 - 08:48

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi, has anyone ever heard of this USMAC LAW GROUP company doing restructing of your loan? They want to basically restructure my loan at current value and then the goverment will write off the differnece?? They have investors that do this and I would be paying the investor back on the new loan. Is this a scam?

Like | Dislike | Share | Posted: Tue, 01/26/2010 - 15:32 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I was in desperate need of help. I saw the add. Looked up the company and saw nothing but bad things. I realized that usually, happy people don't blog about how great it was. I decided to call them and trust my instincts. I'm glad I did. They were professional and understanding. They were able to get a modification done for me and save my home. I'm saving almost $1200 per month and got my rate fixed for 30 yrs. People complain and say horrible things about this company without even talking to them. Nobody verifies any of the negative things said. Don't be a follower and lose your home. Find out for yourself.

Like | Dislike | Share | Posted: Tue, 10/27/2009 - 09:03 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

saved me 1446.00 a month. hud is a joke. called them and they were worthless. you get what you pay for...so dont bother w/them. i didnt have the time to cut through the red tape at bank of america...so i paid someone to do it and got results. perhaps others were burned by them, but i can only speak on my experience.

Like | Dislike | Share | Posted: Tue, 10/27/2009 - 09:17

kebeneifamily's picture
kebeneifamily | Joined: September 13, 2009 09:55 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

:shock: :( :!:

Me and my husband saw the advertisement on the television and called the 1800 number to see if we could qualify for a loan modification-name of agency-The USMAC Law Group. Spoke to the person at the end who was very persuasive. He wanted to charge us $3947 total and upfront prior to starting any services, but we did not have it. Said if paid money upfront would knock off $300. Informed him we would consider next month. Was told he could offer us two financing solutions to cover the above amount- which were to pay the above amount in 3 installments or to pay $795 upfront and then finance the 3000 over a six month period. We were like heck no!!! told him would reconsider next month. Just googled the law group online and now believe it is a scam. I am so happy my husband was nervous and did not really believe they could do it, especially with the upfront costs. Please see research found below:

1. http://drlmc.org/ (Directory of Registered Loan Modification Companies)

Infomed him by email that the above website said they were not on here.

2. http://www.la.bbb.org/businessreport.aspx?companyid=13128667 Could not find USMAC Law group but difnd Christian Dillion who is an attorney at this agency.

3. http://www.ftc.gov/os/comments/mars/542309-00034.pdf

See Alyssa Katz, Predatory Lending With a Smiley Face (Mar. 3, 2004) (describing mortgage and real estate broker involvement in loan modification industry),

4. "http://www.salon.com/news/feature/2009/03/04/loan_modifications/".

Other loan modification entities have connections to the defunct subprime mortgage industry. For example, USMAC, which charges clients a non-refundable fee of $3,495 to negotiate a loan modification, is owned, in part, by the president of Citywide Mortgage, a former subprime lender. Robert Berner, ‘Help’ Can Be Costly, Business Week (Nov. 11, 2008).

5. http://www.calbar.ca.gov/state/calbar/calbar_generic.jsp?cid=10144&n=96096

6. "http://www.complaintsboard.com/complaints/christian-m-dillonusmac-law-gr...

(#2 is the most important-the address to Christian Dillion is the same as the address found below by USMAC- see reviews here!!)

:oops: :roll: :evil: Also emailed him, informing him that I tried his work number as he gave me a work number and the work number always went to voicemail. I was able to reach him through a (714) cell phone number. His information is Edwin L. Stevenson Jr.

Executive Consultant

THE USMAC Law Group

23 Journey | ALISO VIEJO | CA | 92656

http://drlmc.org/ (Directory of Registered Loan Modification Companies)
[size=9:c564df42f1]
[color=Red:c564df42f1][External links deactivated as per forum rules. Thanks.][/color:c564df42f1][/size:c564df42f1]

Like | Dislike | Share | Posted: Sun, 09/13/2009 - 22:30 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I called US Mac for a loan modification yesterday after seeing the commercial on the TV, they have so far had not called me back on my situation. The guy offered me in 4 payments, but 1st payment upfront. I am glad that I saw your postings. Thanks a lot!

Like | Dislike | Share | Posted: Thu, 09/17/2009 - 13:21 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I recently called them after seeing an informercial on tv and it is a total SCAM. I spoke with someone by the name of Frank Mamoine and he was asking me for $3800 to process a Loan modification for me. At first i went on with believing that they were a Legit company since they spend millions of dollars advertising but when i was asked to provide him with my Bank Account Information (Routing Number & Account Number) over the phone so that he can start the process and that i didn't even need to go sign any documents personally that is when i knew this was a "SCAM". After i searched further regarding their company i seen that this company has a "Horrible" History with Ripping people off and when i asked Frank he stated that the person that was committing Fraud is an Attorney by the name of Christian M Dillon and that he was fired in August of 2009 and his License is not currently active but that i could trust him. I am glad i was able to suspect that something was not right with asking me for my Bank Information over the phone and didn't process anything with them. Be very Careful cause it seems like I was almost their next Victim. I have already processed my Loan Modification with another Law Firm. Hopefully eveything goes well and if it does I will Post it.

Like | Dislike | Share | Posted: Sat, 10/17/2009 - 13:30 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

if you have to pay money out of pocket upfront, you're not going to get good service. what is a company's motivation to work on your case to your advantage when it's already been paid? some of these outfits may not be scammers, but they sure do penalize folk with their upfront insistence on payment.

and here's the big question: if you cannot pay your mortgage, how are you going to come up with the exorbitant amount of money that these outfits seek? does this really, truly, honestly make sense to anyone?

Like | Dislike | Share | Posted: Tue, 10/27/2009 - 09:35

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I hired this so called law firm USMAC I lost my house today at 3:00pm. They are liars and thiefs. As soon as you pay for there so called services you never here from them again. When you try calling in you get voice mail. Or by mistake you get to talk to Dan Moder. That guy is a joke. He ripped me off, lied to me and I lost my house because of his pathetic lies. I hope USMAC burns in hell. You to Dan Moder you liar.

Like | Dislike | Share | Posted: Mon, 01/04/2010 - 23:11 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

They ripped my dad off 3500 please do not use this for your loan mod... they will not even answer phones... they are scammm

Like | Dislike | Share | Posted: Fri, 02/12/2010 - 13:07 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

They ripped my dad off 3500 please do not use this for your loan mod... they will not even answer phones... they are scammm mt e mail address is usdaj@aol .com can some help me to report them...

Like | Dislike | Share | Posted: Fri, 02/12/2010 - 13:08 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My family is working with USMAC Law Group for a loan modification and its been 8 months I think and were getting foreclosure letters. What should we do? They say they can save our home but our mortgage lender keeps sending these foreclosure letters. What can we do to get this modification through and keep our home?

Like | Dislike | Share | Posted: Thu, 02/04/2010 - 15:21 | Post subject:

sunnyca2009's picture
sunnyca2009 | Joined: August 4, 2009 07:15 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

I would not recomend any one who ask for money upfront to doa a loan modification

Thank you for sharing

Like | Dislike | Share | Posted: Sat, 10/17/2009 - 16:25

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gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

ronald that first sentence was fully disrespectful. when someone says "respectfully" we can truly expect a foolish, ridiculous and most likely ugly comment to follow. you came through in spades. now i'll read the rest of your diatribe...

well, let's see - you talk about mechanics and that i might think people ought to do the job themselves...well, no, that's out of the question. but i sure wouldn't advocate that they get themselves a middle man to negotiate with the mechanic to see that the work got done right. that's not even a germane reference to the topic at hand. please argue more effectively, more politely, more reasonably, if you want me to pay attention to you.

Like | Dislike | Share | Posted: Sat, 12/12/2009 - 17:36

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My wife and i are still dealing with Christian M Dillian.We just read some comments on this page and confirmed what we had been thinking all along.We have untill January 29th then our house will go in to auction this is in 4 days.they told us to fax some paper work in and they would stop the auction by contacting the mortgage company.We have been getting the run around for 1 year now.We payed 3995.00.We just had a baby on Christmas morning and now if this is true our new born and 3 other kids will be homeless.someone help please.

Like | Dislike | Share | Posted: Mon, 01/25/2010 - 11:26 | Post subject:

eric1's picture
eric1 | Joined: January 4, 2009 03:52 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

I dont know how they can get you that rate. Be very careful. It may be wise to have an attorney read over the contract.

Like | Dislike | Share | Posted: Fri, 01/09/2009 - 18:29 | Post subject:

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