I am on Social Security Disability, and due to my Long Term Disability company, Aetna, not paying their share of my disability payments (see my complaint about them under Aetna), I am in foreclosure on my house. I found a website called getforeclosureresults.com and emailed them around the end of October. I had already talked to a Bankruptcy attny and was not really satisfied with what they said and their cost. The attny did say at least one complete lie to me that I knew was a lie, so did not trust this firm at all.
I then got a call back from GFR a gal named "maddie", she was all gung-ho. She knew ALL the foreclosure processes for all the states. Said she was forced to study them for her job, and was a former real estate person, had studied law, etc etc etc, and knew MORE than the BK attny I had called, etc.
The BK attny said once the foreclosure papers hit my door, about 30-40 days later I would get 'sheriffs sale' papers on my door and then it would be 120 days before the actual sale; this "maddie" said he was lying. She KNEW the laws better and that once the sheriffs papers hit my door, they would sell my house in 30 days after that! That I was in CRITICAL trouble!
I asked what state she worked out of and she said California, as there is no 'location' on the website. She then emailed me a release to sign and said for me to sign them and get them back to her ASAP as time was super important now (and I do know the attny had lied to me before. And when I first contacted the attnys firm, left a message I was on SSD, they REFUSED to take my call.
I had to try for 2 weeks to get them to answer my questions as to whether I should file chapt 13 or not, so already this attnys firm was pretty typically sleazy attnys to me, live in a small town, hardly any attnys here handle BK's, especially chapt 13, I believed "maddies" story.
She then told me that I would have to pay them $900 and that they could work wonders since my mortgage company is Ocwen (see the hundreds of complaints on this site about OCwen!) and they were in such trouble with the Feds, they would bend over backwards to work with me, and once "maddie" contacted them on my behalf, ALL FORECLOSURE ACTIONS WOULD STOP AGAINST ME! And it would take Ocwen a good 90 days if not more to even start working with me on the problem since they were so backed up. I was PROMISED this by her!
So, I filled out the releases, and she supposedly contacted them for me, and then a couple days later, I got an email from a 'stacey' who said for me to call her ASAP as my lender had agreed to a work out and she wanted to give me the details.
Well, she told me I owned her money now, and I told her I Could not afford the full $900 but could pay $500 and then the balance the second Weds of December as that is when I get my SSD check—she agreed that was fine and took my deposit. Then I was told that OCwen agreed to put the payments I was late on on the end of the contract (fine with me) but I would owe attnys fees, etc, no dollar amount was given, but "estimated" at about $2500. YIKES, but figured I could get that if I really tried hard, might take a couple months, which I had since Ocwen was 'so backed up' on their foreclosures, remember?
So, according to Stacey, I had to send some info, utility bills, bank statement, etc for the file, I did so, and then did not hear back from her. Now, about mid-Nov, I got the sheriffs sale paperwork hitting my door, with the sale being the end of Feb! That was in DIRECT conflict with what 'maddie" had told me she KNEW was correct! I contacted stacey, and told her I was a bit unhappy as I thot ALL FORECLOSURE stuff was supposed to be suspended once I signed up with them and I wanted to speak with a manager, I got a stupid snotty reply back, had nothing to do with what I had asked her, no manager ever bothered to reply or call me naturally. Then Thanksgiving hit and I was distracted.
Then, about 10 days ago, I got 4 fat envelopes from Ocwen in the mail along with a certified 'come to the post office we have 4 envelopes for you to sign for here' paper. It was all about what I owned, with attny fees, late fees, the sheriffs sale papers etc on the house (I mean, 8 of them was a bit overkill IMO).
So I decided rather than faxing at great cost, or scanning/emailing them, I would mail a copy to GFR—since stacey said she wanted copies of all stuff from Ocwen. And I was unhappy that I am getting slugs at the door leaving cards saying "I can buy your home for cheap", "I can help you"; you know the sleazy Carleton Sheets program buyers, and I already told stacey I DID NOT WANT THAT TO HAPPEN!
Well, I emailed Stacey today (12-9) and asked what her physical mailing address was as I had gotten 8 fat multiple page envelopes from Ocwen about the sheriffs sale etc and wanted to mail her one since it was too big to fax or email, and that I was unhappy that I could get NO answers from her or anyone, that I still was NOT sure of what was being done on my behalf, that I considered a company that refused to post or send their mailing address suspect.
Got a NASTY reply from her saying to pay up the balance of $497.50 IMMEDIATELY or she would close my file, that I was delinquent to her, and she would not do a damn thing on my behalf until I paid in full. But I had already explained to her that I did not get my SSD check until the 14th, and could not pay the balance until then and she agreed to that. And, in that email reply, she STILL did not give me her mailing address!
So, I went online to the Calif BBB and they give the company a grade "F" due to complaints and lack of response from the business owner, a gal named STACEY! And that the business doesn't have proper business licenses.
I wish I had looked them up before, so this is a DIRE warning to all you out there, be sure to look up any company like this with their BBB FIRST before paying them any money. And make sure you get reciepts for any money you do pay, I did not get any reciept, and be sure to get it IN WRITING your full amount you have to cough up, because now I find an extra $100 has been added to what I owe her and I have no way to prove I only owned her $400 for the 2nd payment. Get EVERYTHING in writing BEFORE you pay one slim dime!
I would avoid this company with every fiber of my being no matter how desperate you are! If there is a positive ending to this story, then I will be sure to post it in a reply/rebuttal or whatever we are to do.
V
Centralia, Washington
U.S.A.
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