HISAdvocates.org


Country United States
State Aruba
City Costa Mesa
Address 2973 Harbor Blvd Suite 475
Phone (714) 459-2706
Website https://www.hisadvocates.org/

HISAdvocates.org Reviews

  • Nov 20, 2014

Buyer Beware of this SCAM targeting distressed Homeowners from HIS ADVOCATES, and KELBY SMITH.

SCAM ALERT, SCAM ALERT.

My Client (name confidential) came to me and showed me proof of payment of almost two thousands dollars, for a Chain of Title Analysis and Declaratory Relief package from www.hisadvocates.org, and he never received the service, all follow up phone calls and emails were ignored..

My client was completely ripped off and never received a refund or the service that he requested. KELBY SMITH lied to him repeatedly and than gave him nothing.

This company, WWW.HISADVOCATES.ORG referred my client to Michael T. Pines, a disbarred Attorney in San Diego, CA. Mr. Pines likewise took advantage of my client, despite an active injunction as against him preventing him from practicing law or giving any form of legal advice.

Kelby Smith and hisadvocates claimed that my client's payment for the services was a "donation" and it most assuredly was not. A report to the Attorney General's Office will accompany this report as these criminals and hucksters need to be stopped immediately.

Additionally, these scammers claim that they can get you relief via some administrative remedy! This is a scam. Persons in foreclosure should seek free government assistance through hud.gov or by way of contacting their bank directly or through the courts!!

PLEASE BE FOREWARNED TO NOT GET CAUGHT UP IN THIS SCAM.

Mortgage Relief Scams

The possibility of losing your home to foreclosure can be terrifying. The reality that scam artists are preying on desperate homeowners is equally frightening. Many companies say they can get a change to your loan that will reduce your monthly mortgage payment or take other steps to save your home. Some claim that nearly all their customers get successful results and even offer a money-back guarantee. Others say they're affiliated with the government or your lender and still others promise the help of attorneys or real estate experts.

Unfortunately, many companies use half-truths and even outright lies to sell their services. They promise relief, but don't deliver. In fact, many of these companies leave their homeowner customers in worse financial shape.

The Federal Trade Commission (FTC), the nation's consumer protection agency, has a Rule in place to protect homeowners. The Mortgage Assistance Relief Services (MARS) Rule makes it illegal for companies to collect any fees until a homeowner has actually received an offer of relief from his or her lender and accepted it. That means even if you agree to have a company help you, you don't have to pay until it gets you the result you want.

If you're struggling to make mortgage payments or facing foreclosure, the FTC wants you to know how to recognize a mortgage assistance relief scam and exercise your rights under the new Rule. And even if the foreclosure process has already begun, the FTC and its law enforcement partners want you to know that legitimate options are available to help save your home.

How the Scams Work

Fraudsters use a variety of tactics to find homeowners in distress. Some sift through public foreclosure notices in newspapers and on the internet or through public files at local government offices, and then send personalized letters to homeowners. Others take a broader approach through ads on the internet, on television or radio, or in newspapers; posters on telephone poles, median strips, and at bus stops; or flyers, business cards, or people at your front door. The scam artists use simple – but potentially deceptive – messages, like:

"Stop foreclosure now!"

"Get a loan modification!"

"Over 90% of our customers get results."

"We have special relationships with banks that can speed up the approval process."

"100% Money Back Guarantee."

"Keep Your Home. We know your home is scheduled to be sold. No Problem!"

Once they have your attention, they use a variety of tactics to get your money. By knowing how their scams work, the FTC says you'll be better able to defend against fraud.

Phony Counseling or Phantom Help

The scam artists tell you that if you pay them a fee, they'll negotiate a deal with your lender to reduce your mortgage payments or to save your home. They may claim to be attorneys or represent a law firm. They may tell you not to contact your lender, lawyer, or credit counselor. They promise to handle all the details once you pay them a fee. Then they stop returning your calls and take off with your money.

Sometimes, phony counselors insist you make your mortgage payments directly to them while they negotiate with the lender. They may collect a few months of payments – and then disappear.

The "Forensic Audit"

In exchange for an upfront fee, so-called forensic loan "auditors," mortgage loan "auditors," or foreclosure prevention "auditors" offer to have an attorney or other expert review your mortgage documents to determine if your lender complied with the law. The "auditors" say you can use their report to avoid foreclosure, speed the loan modification process, reduce what you owe, or even cancel your loan. In fact, there's no evidence that forensic loan audits will help you get a loan modification or any other mortgage relief.

Rent-to-Buy Schemes

Con artists who use the rent-to-buy scheme tell you to surrender the title to your house as part of a deal that allows you to stay there as a renter and buy it back later. They say that surrendering the title will let a borrower with a better credit rating get new financing and prevent the loss of the home. But the terms of these deals usually are so expensive that buying back your home becomes impossible. You lose the house and the scam artist walks off with the money you put into it. Worse, when the new borrower defaults on the loan, you're the one who's evicted.

In a variation, the scam artist raises the rent over time so you can't afford it. After missing several rent payments, you're evicted, leaving the "rescuer" free to sell the house.

In a similar equity-skimming scam, fraudsters offer to find a buyer for your home, but only if you sign over the deed and move out. They promise to pay you a portion of the profit when the home sells. Once you transfer the deed, they simply rent out the home and pocket the proceeds while your lender goes ahead with the foreclosure. The result: You lose your home – and you're still responsible for the unpaid mortgage because transferring the deed does nothing to transfer what you owe on the mortgage.

  • Dec 6, 2017

There is no name here to respond to

Your client? Meaning you are a bar carded attorney? You don't post your name and don't post the member name, yet somehow can make a erroneous internet claim of debt due? HISAdvocates has an A+ rating with the BBB after 6 years. Even though we don't agree with the BBB, at least they don't post erroneous complaints without a name. ANYONE that claims to have been ripped off, can easily resolve their claim by calling our support staff at 844-447-2386 ext 702. To the owners of this website, please remove complaints that do not have a name attached. It is not fair to just post a random claim from a competing company or bank who wants to stop us from supporting our members.

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