Are you considering the services of a debt or mortgage relief company or law firm?

How can you find out if they are honest and reputable?

Doug is a consumer advocate, investigative journalist, talk radio show host, researcher, lecturer and author.

Hi, I’m Doug Johnson. I have spent the past 13 years evaluating and testing companies and firms so you don’t get scammed by illegitimate and dishonest people!

How can you determine if a company or firm is honest and reputable? “You can’t!” Most debt and mortgage relief companies and firms will not provide you with written documentation to verify the efficacy of their service, and they will most likely not allow you to speak to their clients. Other than checking with the Better Business Bureau, you have no means of determining if you will be scammed by them.

But as a Consumer Advocate, whose influence is felt via e-books, articles, lectures, a radio show, and interviews on numerous radio and television shows . . . my opinion of a debt or mortgage relief company or law firm, could make or break them. As a result, they will cooperate in providing me with written documentation to verify the efficacy of their claims, or risk becoming a Scam Story on my web site.

In addition to written documentation, I also rely on feedback from the hundreds of calls and emails I receive each week from consumers and homeowners, and when needed, an experienced private investigator team conducts background investigations of the principles or owners.

I encourage you to take advantage of my research, resources and experience. All I ask, in return, is for you to become a FREE member of this site and agree to receive my email updates. To do so, simply click the link below. I can’t wait to share with you everything I know about debt relief! (For instance, ever heard of Debt Discharge? How about Debt Paydown? Click here for a complete explanation of these unknown remedies for eliminating debt.)

Special Bulletin from Doug:

During the past 13 years, we have evaluated 700 Debt Relief and Mortgage Relief companies and law firms. Please contact us for the results of our research prior to sending money to any company, firm or individual who claims they can assist you with credit scores, debt or mortgage loan.

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Have you been scammed by a Mortgage Relief Company or Law Firm?

To file a complaint with the Federal Trade Commission, go to ftc.gov and click on the orange box entitled, “Consumer Complaint! Report it to the FTC”, or dial (877) FTC-HELP, where you will be assisted by a live FTC counselor.

To file a written complaint with the California Department of Real Estate, go to http://dre.ca.gov/Consumers/FileComplaint.html

To file a complaint via telephone with the California Department of Real Estate, go to http://dre.ca.gov/Contact.html.

NOTE:  Telephone numbers for major cities in California are listed under the “Enforcement” heading.

For access to a list of companies and Law Firms that have been issued “Desist and Refrain Orders and/or Accusations for Loan Modification Activities” go to: http://dre.ca.gov/Licensees/LoanModificationActivities.asp

NOTE:  This list includes companies and firms based in California as well as those companies in the other 49 states who have scammed California residents.

 

Mortgage Assistance Relief Services (MARS) Rule:  Federal law to protect homeowners living in all 50 states from Mortgage Relief scams.   http://ftc.gov/os/fedreg/2010/december/R911003mars.pdf

Senate Bill (SB) 94:  California State law to protect (1) homeowners residing in California from Mortgage Relief Scam companies and law firms based in all 50 states, or (2) homeowners living outside of California from Mortgage Relief Scam companies and law firms based in California. http://www.leginfo.ca.gov/pub/09-10/bill/sen/sb_0051-0100/sb_94_bill_20091011_chaptered.html