I was contacted by Janian & Associates after responding to an inquiry about a modification of our mortgage in May.
My contact with Janian was a Mr. Allen Simon. I wrote to Mr. Simon and told him the problem I was having with the mortgage company that held both the 1st & 2nd on our house. My husband had lost his job, and we were finding it hard to pay the $2600.00/month payments. His reply was that he would send my application to his legal department to see if a modification could be obtained. The application was accepted and I was send a fee of $3000.00, payable in three installments. This was done. All paperwork was sent in when requested and was complete. I was also assured by Mr. Simon that if the modification could not be obtained, that in accordance with the website, all monies would be refunded.
The mortgage company offered a forebearance, not a modification. The terms of the forebearance were as follows: $500.00 reduction of payments for 5 months with a balloon repayment of $2000.00 at the end of the 5 months. This amounted to a $100.00/mo reduction for 5 months. What a joke.
At the time, Janian & Associates had an A rating with Better Business Bureau and no negative reports that I could find. Their rating now is an F.
Mr. Simon knew from the beginning that we were not behind on our mortgage and that the reason for the modification was to offset the 2nd mortgage payment. Mr. Simon also knew we were in an area of Florida where 95% of mortgages are severely underwater.
Now as I try to get a refund for services not performed, I am being stonewalled.
I will be filing a report with the California Board. I hope everyone who has experienced the same issue with this company will do the same. The website for the California Bar is www.calbar.ca. Gov.
It is time to take back this country from all of the ripoff artists.
Do not be fooled as we were by this ripoff law firm.
I was advised on numerous occasions by Mr. Simon not to talk to our mortgage company as this would cloud any issues.
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