Premier Legal Advocates

This company advertises the ability to stop foreclosures by modifying mortgage loans. Although the company's promotional materials and contract use terms such as "retainer agreement " and "legal advocates " implying they are or are associated with a law firm they are not a law firm. ~~This company's principal Brian Pascal previously owned or operated another loan modification company called BWP & Associates Inc. dba Bank Modification Experts and Home Resolution Company. This company earned an F rating with the BBB due to a pattern of unanswered complaints alleging they failed to follow through on loan modification contracts and failed to provide refunds for the unfulfilled contracts before going out of business. A separate report is available upon request or can be accessed by cutting and pasting the following link; ~~http://www.la.bbb.org/Business-Report/Bank-Modification-Experts-100079873.~~Effective October 11th 2009 it is illegal to collect any fees regardless of the form for negotiating or attempting to negotiate a loan modification for a residential mortgage in the State of California. All services must be fully completed before any charges can be imposed. In California it is also illegal to divide advance fees or services into components for the purpose of avoiding this law or to split advance fees with attorneys. ~~Consumers should check with their State Attorney General for compliance laws in their own State. Any Attorney associated with this company must be registered with the State BAR in the State where the client lives in order to perform legal services in that state. While the company claims that they only perform modifications for non-California residents the BBB has received numerous complaints from California residents from whom they collected advance fees. Housing and Development approved housing counselors are exempt from this law.