Hardship Center ratings, reviews and complaints - Loan Modifications Advance Fee

Complaints and Resolutions

Complaint Experience

N/A

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

We have received no complaints against this company.

Our complaint services are free and our team of expert mediators will assist in resolving complaints with businesses.

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Complaint Closing Statistics

0 complaints against Hardship Center closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
0	Refuse to adjust, relying on terms of agreement
0	Unanswered

Other Information

Company Info

This company's business is Loan Modifications

Primary Contact:
Business Started:	N/A
Social:

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Licensing

We know of no licensing or registration requirement for companies engaged in this company's stated type of business.

Government Actions

Agency: California Bureau of Real Estate
Description: On April 12, 2013 the California Department of Real Estate filed a Desist and Refrain Order against Hardship Center and its principals. The Order was filed in the public interest after the Commissioner caused an investigation to be made into the activities of the defendant. Based on the investigation the Commissioner was able to determine that the defendant had engaged in acts or practices in violation of California Business and Professions codes. The violations include, but were not limited to; acting or advertising as a real estate broker by performing services for borrowers in connection with loans secured by real property; and claiming, collecting or receiving advance fees for performing the services.

According to the Order, the defendant was not licensed to perform real estate services. The desist and refrain Order prohibits the defendant from performing any acts or practices within the State of California for which real estate broker license is required, specifically prohibiting the practice of performing services for borrowers in connection with loans secured by real property; and claiming, collecting or receiving advance fees for performing the services, unless or until a real estate brokers license has been obtained . Upon entry, the Order was finalized.
Date of Action: 4/12/2013

Comments and Analysis

Effective October, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All modification services must be fully completed before any money can be collected. It is also illegal to divide fees or services into components for the purpose of avoiding this law.

HUD approved housing counseling agencies are exempt from this law. For businesses outside of California, please check with the agency that regulates this industry.

Other Considerations

Mail sent to this company was returned by the post office as "moved; left no forward address," "forward order has expired," or "unable to locate." We cannot trace addresses of companies or principals. General information is available upon request which may assist you.

Industry Resources

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Additional Info

DBAs:
There are no additional DBAs.

Websites:
There are no additional web sites.

Contacts:
There are no additional contacts.

Reputation Report

Hardship Center

Complaints and Resolutions

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