I was Skeptical about hiring CDA because I work for the California DOJ (AG), please read:
I am very satisfied with my decision to hire the CDA Law Center to help me obtain a favorable loan modification with Chase. I am particularly grateful to Paul Young and Suzie Bryant who assisted me and worked very, very hard on my case. Like many people, my husband and I refinanced our house in 2005 when the market was booming. We agreed to a predatory loan (NegAm/Option ARM) because the interest rate was low and we thought we could easily refinance into a better loan a few years down the road. Then the housing market crashed and so did my marriage, meaning I was suddenly a single parent, the house was underwater, and I had only one income (mine) to support the mortgage payment. I was very stressed out and had many, many sleepless nights. My eighty-year old mother was so worried about me and my children, she tapped into some of her limited retirement savings to help me with the mortgage payments until I could find a more permanent solution. (Thanks Mom, SO GRATEFUL!) That’s when I turned to the CDA Law Center. At first, I was very nervous and skeptical about hiring them because I work for the California DOJ and was aware of the DOJ’s efforts to eliminate consumer fraud perpetrated by disreputable attorneys and other scam credit-counseling businesses. The CDA Law Center put all of my fears to rest. Paul and Suzie were amazing and unbelievably responsive to my questions and concerns. They quickly helped me to modify my mortgage so I could afford it based on my single-person salary. They negotiated with Chase to give me a 2% fixed interest rate, which lowered my principal, interest,taxes, and insurance by $1,146.53/month. With this monthly savings, I will be able to keep my house. Because of Paul, Suzie, and the CDA Law Center, I can sleep at night, and my children can continue to live in the only house they have ever known and attend our neighborhood schools with their friends. (Thanks Paul, Suzie, and the CDA Law Center, SO GRATEFUL!)
What we do for you!
- Notify lender you are represented by Counsel
- Complete a financial analysis of your situation
- Prepare a case to present to your lender
- Help you create an effective hardship letter
- Prepare a REST Report to determine your NPV
- Present your package to your lender
- Negotiate a new lower payment or new terms
- Provide a modification agreement
"CDA Law Center is recommended by National Homeowner Advocate Richard Zombeck of the Home Preservation Network and Huffington Post"
August 18, 2011
Attorney General Kamela Harris has taken action and shut down three law firms and fourteen other defendants, selling fraudulent Mass Joinder Lawsuits yesterday. The accused are being sued for fraudulently taking millions of dollars from homeowners, who were led to believe the lawsuit would provide relief on their mortgages through deceptive marketing efforts.
“The defendents in this case fraudulently promised to win prompt mortgage relief for millions of vulnerable homeowners across the country” said Attorney General Kamela Harris. “Innocent people, already battered by the housing crisis, were targeted for fraud in their moment of distress.”
“Mass Joinder” Lawsuits are lawsuits with hundreds or even thousands of defendents with individually named causes of action. This is the first consumer action taken by the AG’s new Mortgage Fraud Strike Force.
Kramer’s and the other defendents were placed into Receivership on Monday August 15, 2011. This action was taken by the AG, to shut down a scheme operated by attorneys and their marketing partners, in which the defendents utlized false and misleading representations to induce thousands of borrowers into joining the lawsuit against their mortgage lender, often with promises of a “free house”. Defendents assets were also seized and their operations have been shut down.
In addition to the nineteen Department of Justice agents who participated in the raid, over 42 other law enforcement personnel took part from the California BAR, and HUD’s Office of the Inspector General. Additionally, over 16 bank accounts were seized by the Office of the Receiver.
It is believed that at least 2 million pieces of mail were sent out by mail to victims in at least 17 states. Defendents revenue is estimated to be in the millions of dollars. Consumers who paid to join the Mass Joinder lawsuits were frequently unable to receive answers to simple questions, such as whether they had been actually added to the lawsuit, or even establish contact with their attorneys who were representing them. Homeowners who have paid to join this suti are advised to call the CA BAR if they believe they are victims of fraud.
The Department of Justice has seized the practices of the following non-attorney defendants:
Attorneys Processing Center, LLC; Data Management, LLC; Gary DiGirolamo; Bill Stephenson; Mitigation Professionals, LLC; Glen Reneau; Pate Marier & Associates, Inc.; James Pate; Ryan Marier; Home Retention Division; Michael Tapia; Lewis Marketing Corp.; Clarence Butt; and Thomas Phanco.
The State Bar has seized the practices and attorney accounts of the attorney defendants:
The Law Offices of Kramer & Kaslow; Philip Kramer, Esq; Mitchell J. Stein & Associates; Mitchell Stein, Esq.; Christopher Van Son, Esq.; Mesa Law Group Corp.; and Paul Petersen, Esq.
Attorney General Harris is challenging the defendants’ alleged misconduct in marketing their mass joinder lawsuits; her office takes no position as to the legal merits of any claims asserted in the mass joinder lawsuits filed by defendants.
Victims in the following states are known to have received these mailers, or signed on to join the case. This is a preliminary list that may be updated:
Alaska, Arizona, California, Colorado, Connecticut, Florida, Hawaii, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Texas, Washington
The complaint, temporary restraining order, examples of marketing documents and photos of the enforcement action are available with the electronic version of this release at http://oag.ca.gov/news.