Home Credit Law 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 a significant number of complaints against this company. In at least some cases the complaint allegations are very serious. Most complainants allege unfulfilled contracts in connection with loan modification agreements. Others allege a pattern of allegations relating misrepresentation of offered services. ~~The company responds to most complaints by issuing refunds or by disputing that loan modification agreements were not fulfilled. In general the company denies or fails to address allegations relating to misrepresentation.

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 Home Credit Law 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

We provide real estate and bankruptcy attorney services.

Primary Contact:	Brian R. Linnekens (Owner)
Business Started:	12/8/1999
Social:

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Licensing

California Department of Real Estate

Verified License

License Number: 01862704
Status: Expired

Government Actions

Agency:
Description: On April 9, 2012, this company and its principal Brian Linneken entered into a Consent Agreement with the State of Washington Department of Financial institutions to resolve charges previously filed May 2, 2011 alleging the company violated state consumer protection laws by failing to comply with the Mars rule and the FTC act.

The Consent order permanently enjoins the defendants from accepting any compensation or gain from assisting people obtaining or applying for a residential mortgage loans; holding out as being able to assist persons obtaining or applying for residential mortgage loans; holding out that they can assist clients with obtaining or applying for loan modifications and related services; from misrepresenting that they are attorneys licensed to provide legal service in Washington; omitting to disclose they are not licensed to provide legal services in Washington; representing that forensic audits and loan modifications would be performed by licensed attorneys, collecting advance fees in connection with loan modification services.

The Order also prohibited the defendants from engaging in any future activities in the State in connection with any mortgage broker or consumer loan services that are subject to licensure or regulation by the department for a period of 10 years. Upon entry, the Order was finalized.

Date of Action: 4/19/2012

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

On February 7 2012 the company contacted our office to indicate that they are out of business.~~On April 26 2011 this company informed our office that Home Credit Law Center will no longer contract with any new clients. The company contends it is their intent to complete services for existing clients and then close the business completely.

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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.

Other Categories:

Attorneys

Bankruptcy Attorney

Real Estate Attorney

Addresses:

806 Idaho Avenue, Santa Monica, CA, 90403