AmeriTrust Law Group

September 22, Dear [redacted] , I would like to apologize for the delay in responding The Revdex.com letter was mailed to our main office in Washington DC and then forwarded to the Jacksonville, Florida office, where [redacted] , **., the complainant, is a client We have just recently received the correspondence.ATLG advised [redacted] and attempted to work with his lender for a resolution Regarding the complaint, a synopsis of events occurred as follows: • [redacted] paid $to ATLG.•ATLG pickwhere a prior firm left off getting all documents to the lender for resolution options.The lender informed ATLG staff on 5/20/that a loan modifiction was not available.•ATLG asked the lender for other options on 5/20/14.•Lender got back to ATLG on 5/27/that repayment plan is possible if delinquency of $10,was paid off.•ATLG advised [redacted] of lender’s response [redacted] responded that he could not pay that amountATLG advised [redacted] of Bankruptcy, as an alternative [redacted] responded that he did not want to file for Bankruptcy.• [redacted] demanded his money to be refundedATLG offered a partial refund of $500, which was refused by [redacted] , Please contact me if you have further questions or concerns.Thank you very much,Pamela R, Esq

Dear Sir/Madam,**and [redacted] first contacted the firm in March At that time they told us that foreclosure had not yet been initiated against them [redacted] advised that he had suffered two strokes and that this medical condition caused he and his wife to fall behind on their mortgage [redacted] advised that he had just been approved forSocial Security Disability p**ments.**and [redacted] formally retained the firm on March 24, On that same day they were sent a Borrower Information Package; the documents and requests for information that are essential to applying for loss mitigation and/or loan modificationValentina C [redacted] , one of our Loss Mitigation Coordinator, contacted **and [redacted] to make sure that they received the package and answered any questionsOn that date the firm also sent [redacted] and [redacted] (the servicer for the lender and the lender's attorneys) a Oualified Written Request and Notice of ErrorThe CWR requested a complete accounting for the loan, a loss mitigation history, and copies of all documents from the origination of the loan including the promissory note and mortgage.On April 7, [redacted] called the firm and advised that they had completed all documents and requested the fax numberThe fax number was provided to herWe received her page fax and MsC [redacted] called her tolet her know that the fax was received.On April 8, after reviewing the package that was received MsC [redacted] sent the [redacted] s an e-mail advising that additional documents were required: the hardship letter, RMA (Request for Mortgage Assistance), hardship affidavit, Dodd Frank certification and missing pages of a bank Statement.On April 10, MsC [redacted] contacted [redacted] to confirm that they had received our Notice of Representation, OWR and Notice of Error [redacted] advised that they did not have our Power of Attorney on file and could not speak with us (a common del [redacted] tactic with servicers)MsC [redacted] refaxed the POAAlso on this date Ms.C [redacted] received the additional requested documents from the JonesesOn April 14, MsC [redacted] reviewed the loan modification application with New Jersey counsel and it was determined that a social security letter demonstrating the wife's income as well as a letter of non-borrower contributions would be required.On April 15, MsC [redacted] contacted **and [redacted] to advise them of the need for these documents.On April 16, we received the requested documents and MsC [redacted] submitted the complete application for loan modification to [redacted] MsC [redacted] sent the [redacted] formal notice that the submission was made.On April 23, MsC [redacted] contacted [redacted] Again they gave her the runaroundThey admitted that they received the application but claimed that the loan number was wrong [redacted] advised that we did not have to resubmit but MsC [redacted] prudently did so anyw**.On April 24, MsC [redacted] submitted the application again with the new loan number provided by [redacted] to ensure that there would be no del [redacted] with the reviewMsC [redacted] then called the [redacted] to let them know ofthe above.On M [redacted] 1, MsC [redacted] contacted [redacted] [redacted] claimed that the hardship letter that they received was unsigned and that they needed tax returns for to complete the reviewMsC [redacted] called the [redacted] to advise them of this information but the phone was not in serviceMsC [redacted] sent them an e-mail advising of the documents [redacted] required.On M [redacted] 4, [redacted] responded on behalf of the clients advising that she had faxed pages of requested documents to the firmMsC [redacted] located the fax and let [redacted] that the firm had received thedocumentsMsC [redacted] then sent the documents to [redacted] .On M [redacted] 6, MsC [redacted] was advised by [redacted] that [redacted] had information that **or [redacted] were self-employedMsC [redacted] advised that none of the financial documentation reflected this to be true [redacted] requested a letter from the clients indicating that they were not self-employedOn M [redacted] 7, counsel prepared the requested letter for the client's signature and MsC [redacted] sent same to the clientsMsC [redacted] attempted to call the clients but they did not answer and they did not have voicemailSet up.On May 10, we received the letter and sent same to [redacted] At this time we were advised that the application was complete and would be sent to underwritingPursuant to Regulation X of the Real Estate Settlement Procedures Act [redacted] was required to complete this review within thirty (30) days.On June 1, Nataleigh L**, the new Loss Mitigation Coordinator assigned to the file, contacted [redacted] for an update and was advised that the file was still in reviewMsL [redacted] was advised that a decision would be reached the following week.On June 16, the firm received a written letter denying the [redacted] application for loan modificationNew Jersey counsel was notified of the denial and provided with a copy of the denial letter.On June 18, MsL [redacted] contacted [redacted] to advise her of the denial and New Jersey counsel'srecommendation to appeal.On June 30, the firm submitted a complaint to the Consumer Financial Protection Bureau on behalf of **and [redacted] ***(Complaint # [redacted] )MsL [redacted] spoke with [redacted] and advised her that the submissionhad been made.On July 13, the CFPB contacted MsL [redacted] and advised that they needed certain pdf documents to be resubmittedMsL [redacted] compliedMsL [redacted] attempted to contact the [redacted] to advise them of the update but neither answered their phone and no voicemail was available.On July 20, MsL [redacted] prepared and resubmitted a loan modification application for the Joneses.On July 28, MsL [redacted] spoke with [redacted] who indicated that she had received a letter dated July 23, denying the subsequent application for loan modificationMsL [redacted] advised that she would contact [redacted] to determine how this new review could be completed within three d**sMsL [redacted] contacted [redacted] and was advised that the denial was not for the new application but was for the appeal of the originalMsL [redacted] contacted [redacted] and corrected the confusion.On August 5, MsL [redacted] contacted [redacted] and was advised that the loan modification application had been received but that someone at [redacted] transferred the documents to the wrong departmentThe agent indicated that she was requesting transfer to the correct department and requested that we call back in a weekMsL [redacted] attempted to contact the [redacted] but was not able to reach them by phoneShe therefore sent them an e-mail update.On August 13, MsL [redacted] spoke with [redacted] regarding documents that they received [redacted] faxed the documents and MsL [redacted] sent them to New Jersey counsel for reviewCounsel advised that it was a Summons and Complaint and that the [redacted] needed to submit the application for the New Jersey mediation program contained in the packageMsL [redacted] asked New Jersey counsel to call the [redacted] to explain.On August 31, MsL [redacted] spoke with [redacted] at [redacted] [redacted] claimed that she did not have our Power of Attorney on file (again) and that we would have to re-fax to speak about the fileMsL [redacted] resent the POAMsL [redacted] advised [redacted] of the situation.On September 16, [redacted] sent the firm additional documents for the [redacted] to completeMsL [redacted] sent the forms to the [redacted] via e-mail and spoke to [redacted] and advised her that they were sent.On September 30, MsL [redacted] contacted the [redacted] to see if they had completed the documentsThere was no answer but MsL [redacted] was able to leave voicemail.On October 6, MsL [redacted] spoke to [redacted] who had claimed to have faxed the forms alreadyMsL [redacted] looked for the fax but could not find itShe therefore asked [redacted] to refaxMsL [redacted] received the new faxand sent the forms to [redacted] .On October 15, MsL [redacted] advised [redacted] that [redacted] was requesting the most recent bank statement and missing pages from one of the financial forms submitted [redacted] complied and MsL [redacted] sent the documents to [redacted] On October 22, [redacted] called in and advised that she received a letter from [redacted] requesting the same documents that we had just submittedWe reviewed the file and noted that the letter was dated October 15, We hypothesized that the letter was probably sent before [redacted] received the faxed documentsMsL [redacted] contacted [redacted] and was advised that they wanted the [redacted] to resend the financial forms with signatures on all pagesMsL [redacted] noted to the representative that the only signature line was at the end of the documentThe representative indicated that we should just comply or the review process would be delayed.On November 13, [redacted] advised that they needed updated bank statements againMsL [redacted] contacted the [redacted] by e-mail and requested the updated statements.On November 18, [redacted] called in extremely frustratedShe advised that she had already provided bank statements timesWe explained that her frustration was understandable but that this practice was typical of servicers' efforts to discourage borrowers in the hope that they would give up on the processWereceived [redacted] documentation and sent to [redacted] .On November 19, we advised [redacted] that her documents were sent to [redacted] .On December 3, we contacted [redacted] and were advised that the [redacted] application was in review, there was no foreclosure sale date at this time [redacted] was provided with an update verbally.On December 15, we contacted [redacted] and were advised that the file was still in review [redacted] was updated verbally.On January 6, the [redacted] were approved for a loan modificationThe modification provided for a $10,principal reductionThe interest rate would remain at 5.9%The [redacted] were contacted and advised of the good newsThe [redacted] , however, did not regard the offer as good newsThey were upset that their monthly payment had not been loweredIt was explained to them that the loan modification included the years of payments that they had missed and that the arrears were the reason that the monthly payment was not as low as they would likeIt was also explained to them that New Jersey is a state with very high property taxes and thatthe taxes affected the overall mortgage paymentOn January 22, we contacted the [redacted] to see if they had decided to accept [redacted] 's offerThe [redacted] never contacted us again from this pointThey never returned voicemails or e-mailsEventually we were forced to close their file and send [redacted] a Notice of Non-Representation.As you can see from the above substantial work was performed for these clientsWhile they may not have been overjoyed with the result AmeriTrust was able to secure them an opportunity to save their home with a mortgage payment that was affordable based on federal guidelinesThe payment that was proposed was one that the [redacted] could afford to pay it just wasn't what they wanted to payWe regret that they are disappointed with what we would typically regard as a successful result, i.ethat they get to keep their home at an affordable price, but we disagree that they were not provided with valuable Services.Sincerely,

I first contacted Ameritrust law group o2 years ago regarding my mortgage remodidication. They promised they will resolve my issue within 5-9 months. I have paid over $20,000 in fees and it's been 2 years and still no resolution in sight!

Dear Sir/Madam,**. and [redacted] first contacted the firm in March 2015. At that time they told us that foreclosure had not yet been initiated against them. [redacted] advised that he had suffered two strokes and that this medical condition caused he and his wife to fall behind on their mortgage....

[redacted] advised that he had just been approved forSocial Security Disability p**ments.**. and [redacted] formally retained the firm on March 24, 2015. On that same day they were sent a Borrower Information Package; the documents and requests for information that are essential to applying for loss mitigation and/or loan modification. Valentina C[redacted], one of our Loss Mitigation Coordinator, contacted **. and [redacted] to make sure that they received the package and answered any questions. On that date the firm also sent [redacted] and [redacted] (the servicer for the lender and the lender's attorneys) a Oualified Written Request and Notice of Error. The CWR requested a complete accounting for the loan, a loss mitigation history, and copies of all documents from the origination of the loan including the promissory note and mortgage.On April 7, 2015 [redacted] called the firm and advised that they had completed all documents and requested the fax number. The fax number was provided to her. We received her 18 page fax and Ms. C[redacted] called her tolet her know that the fax was received.On April 8, 2015 after reviewing the package that was received Ms. C[redacted] sent the [redacted]s an e-mail advising that additional documents were required: the hardship letter, RMA (Request for Mortgage Assistance), hardship affidavit, Dodd Frank certification and 4 missing pages of a bank Statement.On April 10, 2015 Ms. C[redacted] contacted [redacted] to confirm that they had received our Notice of Representation, OWR and Notice of Error. [redacted] advised that they did not have our Power of Attorney on file and could not speak with us (a common del** tactic with servicers). Ms. C[redacted] refaxed the POA. Also on this date Ms.C[redacted] received the additional requested documents from the Joneses. On April 14, 2015 Ms. C[redacted] reviewed the loan modification application with New Jersey counsel and it was determined that a social security letter demonstrating the wife's income as well as a letter of non-borrower contributions would be required.On April 15, 2015 Ms. C[redacted] contacted **. and [redacted] to advise them of the need for these documents.On April 16, 2015 we received the requested documents and Ms. C[redacted] submitted the complete application for loan modification to [redacted]. Ms. C[redacted] sent the [redacted] formal notice that the submission was made.On April 23, 2015 Ms. C[redacted] contacted [redacted]. Again they gave her the runaround. They admitted that they received the application but claimed that the loan number was wrong. [redacted] advised that we did not have to resubmit but Ms. C[redacted] prudently did so anyw**.On April 24, 2015 Ms. C[redacted] submitted the application again with the new loan number provided by [redacted] to ensure that there would be no del** with the review. Ms. C[redacted] then called the [redacted] to let them know ofthe above.On M** 1, 2015 Ms. C[redacted] contacted [redacted]. [redacted] claimed that the hardship letter that they received was unsigned and that they needed tax returns for 2014 to complete the review. Ms. C[redacted] called the [redacted] to advise them of this information but the phone was not in service. Ms. C[redacted] sent them an e-mail advising of the documents [redacted] required.On M** 4, 2015 [redacted] responded on behalf of the clients advising that she had faxed 33 pages of requested documents to the firm. Ms. C[redacted] located the fax and let [redacted] that the firm had received thedocuments. Ms. C[redacted] then sent the documents to [redacted].On M** 6, 2015 Ms. C[redacted] was advised by [redacted] that [redacted] had information that **. or [redacted] were self-employed. Ms. C[redacted] advised that none of the financial documentation reflected this to be true. [redacted] requested a letter from the clients indicating that they were not self-employed. On M** 7, 2015 counsel prepared the requested letter for the client's signature and Ms. C[redacted] sent same to the clients. Ms. C[redacted] attempted to call the clients but they did not answer and they did not have voicemailSet up.On May 10, 2016 we received the letter and sent same to [redacted]. At this time we were advised that the application was complete and would be sent to underwriting. Pursuant to Regulation X of the Real Estate Settlement Procedures Act [redacted] was required to complete this review within thirty (30) days.On June 1, 2015 Nataleigh L**, the new Loss Mitigation Coordinator assigned to the file, contacted [redacted] for an update and was advised that the file was still in review. Ms. L** was advised that a decision would be reached the following week.On June 16, 2015 the firm received a written letter denying the [redacted] application for loan modification. New Jersey counsel was notified of the denial and provided with a copy of the denial letter.On June 18, 2015 Ms. L** contacted [redacted] to advise her of the denial and New Jersey counsel'srecommendation to appeal.On June 30, 2015 the firm submitted a complaint to the Consumer Financial Protection Bureau on behalf of **. and [redacted]. (Complaint #[redacted]). Ms. L** spoke with [redacted] and advised her that the submissionhad been made.On July 13, 2015 the CFPB contacted Ms. L** and advised that they needed certain pdf documents to be resubmitted. Ms. L** complied. Ms. L** attempted to contact the [redacted] to advise them of the update but neither answered their phone and no voicemail was available.On July 20, 2015 Ms. L** prepared and resubmitted a loan modification application for the Joneses.On July 28, 2015 Ms. L** spoke with [redacted] who indicated that she had received a letter dated July 23, 2015 denying the subsequent application for loan modification. Ms. L** advised that she would contact [redacted] to determine how this new review could be completed within three d**s. Ms. L** contacted [redacted] and was advised that the denial was not for the new application but was for the appeal of the original. Ms. L** contacted[redacted] and corrected the confusion.On August 5, 2015 Ms. L** contacted [redacted] and was advised that the loan modification application had been received but that someone at [redacted] transferred the documents to the wrong department. The agent indicated that she was requesting transfer to the correct department and requested that we call back in a week. Ms. L** attempted to contact the [redacted] but was not able to reach them by phone. She therefore sent them an e-mail update.On August 13, 2015 Ms. L** spoke with [redacted] regarding documents that they received. [redacted] faxed the documents and Ms. L** sent them to New Jersey counsel for review. Counsel advised that it was a Summons and Complaint and that the [redacted] needed to submit the application for the New Jersey mediation program contained in the package. Ms. L** asked New Jersey counsel to call the [redacted] to explain.On August 31, 2015 Ms. L** spoke with [redacted] at [redacted]. [redacted] claimed that she did not have our Power of Attorney on file (again) and that we would have to re-fax to speak about the file. Ms. L** resent the POA. Ms. L** advised [redacted] of the situation.On September 16, 2015 [redacted] sent the firm additional documents for the [redacted] to complete. Ms. L** sent the forms to the [redacted] via e-mail and spoke to [redacted] and advised her that they were sent.On September 30, 2015 Ms. L** contacted the [redacted] to see if they had completed the documents. There was no answer but Ms. L** was able to leave voicemail.On October 6, 2015 Ms. L** spoke to [redacted] who had claimed to have faxed the forms already. Ms. L** looked for the fax but could not find it. She therefore asked [redacted] to refax. Ms. L** received the new faxand sent the forms to [redacted].On October 15, 2015 Ms. L** advised [redacted] that [redacted] was requesting the most recent bank statement and missing pages from one of the financial forms submitted. [redacted] complied and Ms. L** sent the documents to [redacted]. On October 22, 2015 [redacted] called in and advised that she received a letter from [redacted] requesting the same documents that we had just submitted. We reviewed the file and noted that the letter was dated October 15, 2015. We hypothesized that the letter was probably sent before [redacted] received the faxed documents. Ms. L** contacted [redacted] and was advised that they wanted the [redacted] to resend the financial forms with signatures on all pages. Ms. L** noted to the representative that the only signature line was at the end of the document. The representative indicated that we should just comply or the review process would be delayed.On November 13, 2015 [redacted] advised that they needed updated bank statements again. Ms. L** contacted the[redacted] by e-mail and requested the updated statements.On November 18, 2015 [redacted] called in extremely frustrated. She advised that she had already provided bank statements 5 times. We explained that her frustration was understandable but that this practice was typical of servicers' efforts to discourage borrowers in the hope that they would give up on the process. Wereceived [redacted] documentation and sent to [redacted].On November 19, 2015 we advised [redacted] that her documents were sent to [redacted].On December 3, 2015 we contacted [redacted] and were advised that the [redacted] application was in review, there was no foreclosure sale date at this time. [redacted] was provided with an update verbally.On December 15, 2015 we contacted [redacted] and were advised that the file was still in review. [redacted] was updated verbally.On January 6, 2015 the [redacted] were approved for a loan modification. The modification provided for a $10,000 principal reduction. The interest rate would remain at 5.9%. The [redacted] were contacted and advised of the good news. The [redacted], however, did not regard the offer as good news. They were upset that their monthly payment had not been lowered. It was explained to them that the loan modification included the years of payments that they had missed and that the arrears were the reason that the monthly payment was not as low as they would like. It was also explained to them that New Jersey is a state with very high property taxes and thatthe taxes affected the overall mortgage payment. On January 22, 2015 we contacted the [redacted] to see if they had decided to accept [redacted]'s offer. The [redacted] never contacted us again from this point. They never returned voicemails or e-mails. Eventually we were forced to close their file and send [redacted] a Notice of Non-Representation.As you can see from the above substantial work was performed for these clients. While they may not have been overjoyed with the result AmeriTrust was able to secure them an opportunity to save their home with a mortgage payment that was affordable based on federal guidelines. The payment that was proposed was one that the [redacted] could afford to pay it just wasn't what they wanted to pay. We regret that they are disappointed with what we would typically regard as a successful result, i.e. that they get to keep their home at an affordable price, but we disagree that they were not provided with valuable Services.Sincerely,

September 22, 2014
Dear [redacted], 
I would like to apologize for the delay in responding.  The Revdex.com letter was mailed to our main office in Washington DC and then forwarded to the Jacksonville, Florida office, where [redacted], **., the complainant, is a client....

 We have just recently received the correspondence.ATLG advised [redacted] and attempted to work with his lender for a resolution.  Regarding the complaint, a synopsis of events occurred as follows:
•[redacted] paid $2000 to ATLG.•ATLG picked-up where a prior firm left off getting all documents to the lender for resolution options.The lender informed ATLG staff on 5/20/14 that a loan modifiction was not available.•ATLG asked the lender for other options on 5/20/14.•Lender got back to ATLG on 5/27/14 that repayment plan is possible if delinquency of $10,302.03 was paid off.•ATLG advised [redacted] of lender’s response. [redacted] responded that he could not pay that amount. ATLG advised [redacted] of Bankruptcy, as an alternative. [redacted] responded that he did not want to file for Bankruptcy.•[redacted] demanded his money to be refunded. ATLG offered a partial refund of $500, which was refused by [redacted],
Please contact me if you have further questions or concerns.Thank you very much,Pamela R, Esq.

Review: AmeriTrust Law Group were to represent me in issues I have with home payments. This started March 7 2014, which they transition from the [redacted]. I have been dealing with this issues regarding my home for a year 2/2013 until 7/3/14 I was told that they could not help me, and forcing me to file chapter. I have made over 6,000 to this law firm to help me save my home. I am total disable, and they have not done anything to help me.Desired Settlement: The money that I have paid unto the law firm I would like a refund, because they did not contact my mortgage company to let them know they were representing me.

Business

Response:

September 22, 2014Dear [redacted], I would like to apologize for the delay in responding. The Revdex.com letter was mailed to our main office in Washington DC and then forwarded to the Jacksonville, Florida office, where [redacted], **., the complainant, is a client. We have just recently received the correspondence.ATLG advised [redacted] and attempted to work with his lender for a resolution. Regarding the complaint, a synopsis of events occurred as follows:•[redacted] paid $2000 to ATLG.•ATLG picked-up where a prior firm left off getting all documents to the lender for resolution options.The lender informed ATLG staff on 5/20/14 that a loan modifiction was not available.•ATLG asked the lender for other options on 5/20/14.•Lender got back to ATLG on 5/27/14 that repayment plan is possible if delinquency of $10,302.03 was paid off.•ATLG advised [redacted] of lender’s response. [redacted] responded that he could not pay that amount. ATLG advised [redacted] of Bankruptcy, as an alternative. [redacted] responded that he did not want to file for Bankruptcy.•[redacted] demanded his money to be refunded. ATLG offered a partial refund of $500, which was refused by [redacted],Please contact me if you have further questions or concerns.Thank you very much,Pamela R, Esq.