Clear Choice Tax

By [redacted] Owner of Clear Choice Tax and CORE Advisory Group sans-serif;"> Company Response: This is a frivolous and meritless complaintOur firm is a consumer advocacy firm that assists home owners in opening and closing federal complaints against their lender and/or loan servicer (the “Lender”)It is true that our parent company is an independent tax resolution firm; however, although the Revdex.com links us under one profile we operate as separate entities Struggling homeowners hire our agency to draft and cause multiple federal complaints to be open against their lender and in doing this the homeowner is able to obtain a leveraged position against their lender and force them into considering various options to settle the open complaints and as a byproduct of our services, many times the homeowner receives a resolution offer from the lender that includes a reinstatement and/or restructuring of their defaulted loanEach month our agency conducts hundreds of no cost and no obligation evaluations in order to determine if an applicant’s situation has merit for us to offer servicesIt’s important to note that the Complainant has never hired our firm and has never transacted any business with us and IS NOT by definition a client or customer As per our standard operating procedure, we did obtain information to evaluate the complainant; however, due to the pending foreclosure sale we were not willing to offer services until the sale date was stopped Our case manager, in an effort to provide help, did inform the Complainant that it may be possible to stop the foreclosure action by filing a bankruptcy and then suggested where the Complainant could possibly go and obtain additional information and/or assistanceClearly, as we are responding to this complaint, no good deed goes unpunishedThe basis of this complaint is based on the Complainant not liking the FREE advice that he received and is seeking to deflect the fault of his foreclosure situation on to a third partyOur Agency has a policy to respond to all complaints, frivolous or otherwiseIn this situation, the Complainants situation is a direct consequence of defaulting on his monthly mortgage payment and then waiting to the last week to seek advice on resolutionThus, our firm accepts no fault for the predicament that was caused solely by the inaction of the ComplainantHowever, in lieu of this complaint we have modified our policy to not provide any assistance or direction to applicants who are not eligible for services

Core Advisory Group I had recently lost my IT job due to downsizing and found myself in a job market that was extremely competitive, and I had been interviewing and looking for a job for over a year In that time we were unable to pay our mortgage and found ourselves in pre-foreclosure I have had a great credit rating, held a steady job all of my life, but now all of a sudden found myself in a position I had never dreamed I'd be in I had tried various community not for profit organizations, that tried to help re-finance my mortgage with Freddy Mac, but with no success at all I received a mailer from "The Core Advisory Group" about an alternative way of approaching the problem called "*DR" or "*ender Dispute Resolution Program" I had never heard of it, and called a lawyer friend to his input He had never heard of such a program, and advised against it He advised to try again with the not for profit organizations, as a go-between to re negotiate with Freddy Mac Well I had tried that several times with no luck, and my pre foreclosure hearing was quickly approaching in the first week of Dec I phoned the Core Advisory Group, and spoke to [redacted] in October She explained the whole program, and how it kept the process out of the court system, and alternately sent letters to key federal agencies, the mortgage company, bank, and local state representative She explained the whole process usually takes to months It all made sense, but I'd wondered why everyone would not just take this route? Well firstly you have to be approved to go thru the process, there are factors that need to be met before Core Advisory will work with you, and it also costs money! If you have a foreclosure date set in the very near future it is more difficult, then if you are just in the pre-foreclosure state Also you have to have an income the meets certain guidelines *uckily I found a job in November, and was able to meet the criteria [redacted] set up an initial call with SrCase Analyst [redacted] I spoke to ***, and he also went over the whole process, and was genuinely interested in my situation, and making sure that all of my questions were fully answered [redacted] is an extremely professional, courteous, and diligent representative, and is exceptional at detail, and calling you back immediately The only downside for me was cost It is in the range of $3780-$depending on how you either pay in full, or spread out payments Seeing that I was out of a job for so long, money was extremely tight, but I was able to go on a payment plan and all worked out so we could begin immediately [redacted] sends a Notary to your home to get the paperwork going and to collect the checks from you I had the notary arrive Nov 27th 2015, and we started the process In the next weeks there were a series of interviews from Core Advisory staff, getting the specific details of my exact situation, and history Then a few weeks later I was contacted another part of their team who assisted in getting different letters together to be targeted to key organizations/people During this whole process I was assigned a case manager [redacted] ***, in the Resolutions dept, who was my liaison with the bank and Freddy Mac All correspondence was coordinated thru her, and she kept me advised of how the whole process was going I am extremely happy to say that on Feb 23, she phoned me and advised that I was approved for a refinance, and that my new mortgage package would be arriving shortly It took days from the time I signed up, to the time I was approved for a refinance with Freddy Mac! So now I have to go thru a month trial period, where I just have to pay on-time, and my new mortgage will take affect in July I will say that this whole process took only three months, and all that was promised was delivered by Core Advisory Group I will also say that I am extremely good with returning calls, and providing paperwork back to Core Advisory So any time they requested a document, I would have it scanned and emailed to them same day So if you are truly serious about saving your mortgage, and are diligent with correspondence to Core Advisory and getting them the paperwork they need to represent you, then you should really consider using their servicesI rate them A+ I especially want to say that their Senior Case Analyst [redacted] was the primary reason I went with Core Advisory Group He assured me every step of the way, and was there by phone or email when I had questions or needed assistance It was a pleasure working with [redacted] and the whole team! Many thanks to [redacted] , Mr [redacted] ***, [redacted] ***, [redacted] ***, [redacted] & [redacted]

Core Advisory Group
I had recently lost my IT job due to downsizing and found myself in a job market that was extremely competitive, and I had been interviewing and looking for a job for over a year. In that time we were unable to pay our mortgage and found ourselves in pre-foreclosure.
I have had a great credit rating, held a steady job all of my life, but now all of a sudden found myself in a position I had never dreamed I'd be in.
I had tried various community not for profit organizations, that tried to help re-finance my mortgage with Freddy Mac, but with no success at all.
I received a mailer from "The Core Advisory Group" about an alternative way of approaching the problem called "*DR" or "*ender Dispute Resolution Program"
I had never heard of it, and called a lawyer friend to his input.
He had never heard of such a program, and advised against it.
He advised to try again with the not for profit organizations, as a go-between to re negotiate with Freddy Mac.
Well I had tried that several times with no luck, and my pre foreclosure hearing was quickly approaching in the first week of Dec 2015.
I phoned the Core Advisory Group, and spoke to [redacted] in October.
She explained the whole program, and how it kept the process out of the court system, and alternately sent letters to key federal agencies, the mortgage company, bank, and local state representative.
She explained the whole process usually takes 3 to 4 months.
It all made sense, but I'd wondered why everyone would not just take this route?
Well firstly you have to be approved to go thru the process, there are factors that need to be met before Core Advisory will work with you, and it also costs money!
If you have a foreclosure date set in the very near future it is more difficult, then if you are just in the pre-foreclosure state.
Also you have to have an income the meets certain guidelines. *uckily I found a job in November, and was able to meet the criteria.
[redacted] set up an initial call with Sr. Case Analyst [redacted].
I spoke to [redacted], and he also went over the whole process, and was genuinely interested in my situation, and making sure that all of my questions were fully answered. [redacted] is an extremely professional, courteous, and diligent representative, and is exceptional at detail, and calling you back immediately.
The only downside for me was cost. It is in the range of $3780-$4445 depending on how you either pay in full, or spread out payments.
Seeing that I was out of a job for so long, money was extremely tight, but I was able to go on a payment plan and all worked out so we could begin immediately.
[redacted] sends a Notary to your home to get the paperwork going and to collect the checks from you. I had the notary arrive Nov 27th 2015, and we started the process.
In the next weeks there were a series of interviews from Core Advisory staff, getting the specific details of my exact situation, and history. Then a few weeks later I was contacted another part of their team who assisted in getting 4 different letters together to be targeted to key organizations/people.
During this whole process I was assigned a case manager [redacted], in the Resolutions dept, who was my liaison with the bank and Freddy Mac.
All correspondence was coordinated thru her, and she kept me advised of how the whole process was going.
I am extremely happy to say that on Feb 23, 2016 she phoned me and advised that I was approved for a refinance, and that my new mortgage package would be arriving shortly.
It took 88 days from the time I signed up, to the time I was approved for a refinance with Freddy Mac!
So now I have to go thru a 3 month trial period, where I just have to pay on-time, and my new mortgage will take affect in July 2016.
I will say that this whole process took only three months, and all that was promised was delivered by Core Advisory Group.
I will also say that I am extremely good with returning calls, and providing paperwork back to Core Advisory. So any time they requested a document, I would have it scanned and emailed to them same day. So if you are truly serious about saving your mortgage, and are diligent with correspondence to Core Advisory and getting them the paperwork they need to represent you, then you should really consider using their services. I rate them A+
I especially want to say that their Senior Case Analyst [redacted] was the primary reason I went with Core Advisory Group. He assured me every step of the way, and was there by phone or email when I had questions or needed assistance. It was a pleasure working with [redacted] and the whole team!
Many thanks to [redacted], Mr. [redacted]. [redacted], [redacted], [redacted], [redacted] & [redacted].

By [redacted] Owner of Clear Choice Tax and CORE Advisory Group
sans-serif;"> 
Company Response:
 
This is a frivolous and meritless complaint. Our firm is a consumer advocacy firm that assists home owners in opening and closing federal complaints against their lender and/or loan servicer (the “Lender”). It is true that our parent company is an independent tax resolution firm; however, although the Revdex.com links us under one profile we operate as separate entities.  Struggling homeowners hire our agency to draft and cause multiple federal complaints to be open against their lender and in doing this the homeowner is able to obtain a leveraged position against their lender and force them into considering various options to settle the open complaints and as a byproduct of our services, many times the homeowner receives a resolution offer from the lender that includes a reinstatement and/or restructuring of their defaulted loan. Each month our agency conducts hundreds of no cost and no obligation evaluations in order to determine if an applicant’s situation has merit for us to offer services. It’s important to note that the Complainant has never hired our firm and has never transacted any business with us and IS NOT by definition a client or customer.  As per our standard operating procedure, we did obtain information to evaluate the complainant; however, due to the pending foreclosure sale we were not willing to offer services until the sale date was stopped.  Our case manager, in an effort to provide help, did inform the Complainant that it may be possible to stop the foreclosure action by filing a bankruptcy and then suggested where the Complainant could possibly go and obtain additional information and/or assistance. Clearly, as we are responding to this complaint, no good deed goes unpunished. The basis of this complaint is based on the Complainant not liking the FREE advice that he received and is seeking to deflect the fault of his foreclosure situation on to a third party. Our Agency has a policy to respond to all complaints, frivolous or otherwise. In this situation, the Complainants situation is a direct consequence of defaulting on his monthly mortgage payment and then waiting to the last week to seek advice on resolution. Thus, our firm accepts no fault for the predicament that was caused solely by the inaction of the Complainant. However, in lieu of this complaint we have modified our policy to not provide any assistance or direction to applicants who are not eligible for services.

Review: False promise of saving a home from foreclosure, wrong documents sent to me, wrong filing area to submit to, mislead into believing home was sold as a predatory loan and all interest penalties, back payments and restructuring of loan would occur. Was also informed Sheriffs office was contacted to stop sheriff's sale, however I have contacts in sheriff's office no such call was made. A credit payment in amount of $3,650.00 after filling a waiver of filing fee for chpt7 would have been taken out of bank account, after reviewing documents it had nothing to do with requested help. An additional payments in the amount of $2190.00 was due 30 days the from 18th of May. This was false representation. This is a tax company representing themselves to desperate people in foreclosure to take any if not all remaining monies from me. I have an attorney representing me, once I contacted him and told him what was going on he immediately put a stop to sheriff's sale told me to put a stop payment, change cards number. I also have a voice recorded per core groups standard practice stating if at any time I was not satisfied the contract would be null n void I asked for an Email stating this and in the email it stated I was allowed to cancel at any time but no monies would be refunded. Now that verbally was recorded when I brought it to my reps attention she said it was a clerical error when I asked for a corrected version she said she would send it and never did. Yesterday when I followed their instructions to go to my county court house, I was told I had all the wrong documents and I needed to go to Trenton, Newark or Camden in rush hour and make it by 5pm. I live an hr away from all places own my own business and being I was told I just needed to drop the forms off 10 minutes from my home, I was in shock at all the misinformation I was in receipt of. This company is misrepresenting themselves and need to be closely looked at for Im not their only victim.Desired Settlement: Contract null and void no penalty for non payment for misrepresenting their capabilities. No repercussions on my credit report and I would like them to properly represent themselves as a tax firm. Not a business specializing in foreclosures which obviously they are not. Cancellation of contract, NO penalties. And a complaint lodged. I ALSO would like the Email as promised by [redacted] that at any time if I was uncomfortable with the terms of the agreement the contact would be null and void and monies would not be requested and /or refunded. I legally am entitle to a guaranteed email stating if I was unsatisfied, which obviously I am I would be released from the contract without penalties. I feel she purposely wrote that email stating I'd be able to back out with no money returned on purpose. As sheriff's sale was approaching I was receiving up to 10 calls a day. Now I am unable to contact anyone for they have been in meetings for 2 days? This company is a sham.

Business

Response:

By [redacted] Owner of Clear Choice Tax and CORE Advisory Group Company Response: This is a frivolous and meritless complaint. Our firm is a consumer advocacy firm that assists home owners in opening and closing federal complaints against their lender and/or loan servicer (the “Lender”). It is true that our parent company is an independent tax resolution firm; however, although the Revdex.com links us under one profile we operate as separate entities. Struggling homeowners hire our agency to draft and cause multiple federal complaints to be open against their lender and in doing this the homeowner is able to obtain a leveraged position against their lender and force them into considering various options to settle the open complaints and as a byproduct of our services, many times the homeowner receives a resolution offer from the lender that includes a reinstatement and/or restructuring of their defaulted loan. Each month our agency conducts hundreds of no cost and no obligation evaluations in order to determine if an applicant’s situation has merit for us to offer services. It’s important to note that the Complainant has never hired our firm and has never transacted any business with us and IS NOT by definition a client or customer. As per our standard operating procedure, we did obtain information to evaluate the complainant; however, due to the pending foreclosure sale we were not willing to offer services until the sale date was stopped. Our case manager, in an effort to provide help, did inform the Complainant that it may be possible to stop the foreclosure action by filing a bankruptcy and then suggested where the Complainant could possibly go and obtain additional information and/or assistance. Clearly, as we are responding to this complaint, no good deed goes unpunished. The basis of this complaint is based on the Complainant not liking the FREE advice that he received and is seeking to deflect the fault of his foreclosure situation on to a third party. Our Agency has a policy to respond to all complaints, frivolous or otherwise. In this situation, the Complainants situation is a direct consequence of defaulting on his monthly mortgage payment and then waiting to the last week to seek advice on resolution. Thus, our firm accepts no fault for the predicament that was caused solely by the inaction of the Complainant. However, in lieu of this complaint we have modified our policy to not provide any assistance or direction to applicants who are not eligible for services.

Core Advisory Group

I had recently lost my IT job due to downsizing and found myself in a job market that was extremely competitive, and I had been interviewing and looking for a job for over a year. In that time we were unable to pay our mortgage and found ourselves in pre-foreclosure.

I have had a great credit rating, held a steady job all of my life, but now all of a sudden found myself in a position I had never dreamed I'd be in.

I had tried various community not for profit organizations, that tried to help re-finance my mortgage with Freddy Mac, but with no success at all.

I received a mailer from "The Core Advisory Group" about an alternative way of approaching the problem called "*DR" or "*ender Dispute Resolution Program"

I had never heard of it, and called a lawyer friend to his input.

He had never heard of such a program, and advised against it.

He advised to try again with the not for profit organizations, as a go-between to re negotiate with Freddy Mac.

Well I had tried that several times with no luck, and my pre foreclosure hearing was quickly approaching in the first week of Dec 2015.

I phoned the Core Advisory Group, and spoke to [redacted] in October.

She explained the whole program, and how it kept the process out of the court system, and alternately sent letters to key federal agencies, the mortgage company, bank, and local state representative.

She explained the whole process usually takes 3 to 4 months.

It all made sense, but I'd wondered why everyone would not just take this route?

Well firstly you have to be approved to go thru the process, there are factors that need to be met before Core Advisory will work with you, and it also costs money!

If you have a foreclosure date set in the very near future it is more difficult, then if you are just in the pre-foreclosure state.

Also you have to have an income the meets certain guidelines. *uckily I found a job in November, and was able to meet the criteria.

[redacted] set up an initial call with Sr. Case Analyst [redacted].

I spoke to [redacted], and he also went over the whole process, and was genuinely interested in my situation, and making sure that all of my questions were fully answered. [redacted] is an extremely professional, courteous, and diligent representative, and is exceptional at detail, and calling you back immediately.

The only downside for me was cost. It is in the range of $3780-$4445 depending on how you either pay in full, or spread out payments.

Seeing that I was out of a job for so long, money was extremely tight, but I was able to go on a payment plan and all worked out so we could begin immediately.

[redacted] sends a Notary to your home to get the paperwork going and to collect the checks from you. I had the notary arrive Nov 27th 2015, and we started the process.

In the next weeks there were a series of interviews from Core Advisory staff, getting the specific details of my exact situation, and history. Then a few weeks later I was contacted another part of their team who assisted in getting 4 different letters together to be targeted to key organizations/people.

During this whole process I was assigned a case manager [redacted], in the Resolutions dept, who was my liaison with the bank and Freddy Mac.

All correspondence was coordinated thru her, and she kept me advised of how the whole process was going.

I am extremely happy to say that on Feb 23, 2016 she phoned me and advised that I was approved for a refinance, and that my new mortgage package would be arriving shortly.

It took 88 days from the time I signed up, to the time I was approved for a refinance with Freddy Mac!

So now I have to go thru a 3 month trial period, where I just have to pay on-time, and my new mortgage will take affect in July 2016.

I will say that this whole process took only three months, and all that was promised was delivered by Core Advisory Group.

I will also say that I am extremely good with returning calls, and providing paperwork back to Core Advisory. So any time they requested a document, I would have it scanned and emailed to them same day. So if you are truly serious about saving your mortgage, and are diligent with correspondence to Core Advisory and getting them the paperwork they need to represent you, then you should really consider using their services. I rate them A+

I especially want to say that their Senior Case Analyst [redacted] was the primary reason I went with Core Advisory Group. He assured me every step of the way, and was there by phone or email when I had questions or needed assistance. It was a pleasure working with [redacted] and the whole team!

Many thanks to [redacted], Mr. [redacted] & [redacted].