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I got this in the mail from this place. It's Prudent Law Group in California. They sent me a notice pretending to be my mortgage company. Here is what the Better Business Bureau says about them.


Advertising Review Complaints and Charges: Prudent Law Group

On February 28, 2012, we wrote to this company asking them about a deceptive mailer used to solicit clients for loan modifications which appear to be sent by their lender or a government agency. We also asked them to provide and explanation how they are able to advise clients of pre-approval for the HAMP package; why they are not BAR registered in the States which they solicit business; and why they are collecting advance fees for services. The company responded on March 7, 2012 by advising the Bureau that the mailer in question was sent without the authority or approval of their law firm, and has since been revised. A copy of the revised mailer was not provided. The company contends that loan modifications are not considered the practice of law, thus they are not required to be BAR registered in the State where the client resides. They also claim they do not ask for advance fees, but rather post dated checks which can be returned if services are not performed as agreed. We believe that foreclosures, which are governed by state law, are almost always an issue with modifications because most people stop paying their mortgage when they’re upside down. Some states require judicial foreclosures and others have non-judicial foreclosures and a lawyer who isn’t licensed in another state cannot properly advise a client who may be faced with a foreclosure.

Additional Information

BBB file opened: 11/28/2011

Agency: California State BAR License Number: 140353 Status: Active
Contact Information
Matthew Sertuns - Director

Matthew Brinks ()Pamela Gerber-Gressier (Attorney)

Number of Employees

35


Alternate Business Names
Prudent Law GroupDuarte, Gressier & Menezes, LLP. Union Law Group

The BBB suggests that consumers be wary of attorneys offering loan modification services with advertisements that do not expressly identify by name the attorney who is responsible for the business. In some cases, office staff will not readily identify by name the attorney responsible for oversight of the business. Other signs of possible problems may be that the attorney in charge of the office is too busy or not willing to meet personally with prospective clients. Often these firms may advise the homeowner to stop paying the existing mortgage, or they make unsubstantiated advertising claims that sound too good to be true. Some of these claims might include a, “90 or 100 percent rate of success in obtaining loan modifications, or claims that a reduction in the mortgage principal is likely to be achieved. Avoid Attorneys that demand payment of a large fee, even before obtaining a prospective client’s basic income and expense information, and information about the existing mortgage and present home value. If you reside in another State keep in mind the attorney is required to be licensed to practice law in the state where the consumer resides. Consumers having a problem with the attorney handling their loan modification may contact the State Bar at 1-800-843-9053 or visit the State Bar’s Web site at www.calbar.ca.gov to find a complaint form.

Additional Complaint Information

Complainants allege they receive direct mail advertisments deceptively designed to look like notices from their lenders concerning eligibility for a loan modification. Clients complain the company asks them to wire money in advance of providing services, but fails to complete agreements. Most complainants request refunds. The company responds to complaints by offering explanations, or indicating they have resolved issues with the client. In a few cases the company offered to re-open the file and continue trying for a more favorable outcome for the client. Refunds were not issued. Most complaints are pending.


http://www.la.bbb.org/business-reviews/Legal-Services/Prudent-Law-Group-in-Newport-Beach-CA-100110290

THIS IS A MORTGAGE MODIFICATION SCAM!!!!!!!!!!!!!! The pretended to be a law firm but were just a bunch of mortgage brokers scamming people out of $3000 STAY AWAY!!!!!

HIRE A REAL LAWYER!!!!!