I will start by telling a little bit about my self. My name is Antonette *, I was Married for 26 years and have a Daughter now 22 years old. I lost my husband 09/06/02009 after battling with cancer for 10 years. I Re finance my house June to pay for medical bills, and file for Bankruptcy Feb do to financial difficulties with medical bills. After that with difficulty I manage to keep up with bills until my hours got cut from where I have worked for 15 years an In Nov my former Boss give me web sight to try and get a Home Modification done It was Called the American Residential Law Group from Florida, and the name of person handling my case Was Mr. Nashan Ruff. He told me in order for me to qualify I have to be behind on payments and to miss 3 payments and pay them $1,499.00 to get it started witch I did.
In Feb, of I received a letter saying the company is closing down so I called immediately and spoke to Mr. Ruff. He told me that even though the American Residential Law Group is closing down they are still going to continue on the customers they have already and that he will be taking over my case to his company called Palm Beach Consultant Law Firm. After missing the 3 payments I send in my monthly payment for my mortgage and was refused, Mr. Ruff assured me that it was normal when doing a Modification and that they will just add it to the end of the terms of my mortgage and not to worry.
I have Called Bank of America My lender and told them about it and let them know that Mr. Ruff is working for me and gave them permission to talk with him in my behalf. Then Mr. Ruff started to call me like every other month and ask for money saying that in order for to keep the foreclose he have to pay another lawyer. I continue to send him money until Feb of I told him that I am not going to give him any more money and that this is taking to long and I want it to finish. I called Bank of America and explain my situation. I did not know what els to do so I went to the Senators Office and a verry kind and a wonderfull lady helped me to prospond the forclosher.
I have tryied to get a hold of Mr Ruff for monthes and he called me 15 of july and said he is still working on it not to worry and for me to give him more money i told him no. He called me again July 29 and said that if i dont give him any more money he will not be responcible for loosing my house and that i will go without a hose in 30 days. I told him that he has done enough and put me and my family in danger alrady im not giving any more money to him, he got mad and started to Threatened me. Today Aug, 5th 2012 he called me and Threatened me more and when I hanged up on him he sent me nasty tex masages and left a voice mail on my phone.
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