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Report: #1054993

Complaint Review: Foreclosure Law Center / Alia Law Group - Philadelphia Pennsylvania

  • Submitted:
  • Updated:
  • Reported By: Lawrence C. Moore — Womelsdorf Pennsylvania
  • Author Not Confirmed What's this?
  • Why?
  • Foreclosure Law Center / Alia Law Group 1518 Walnut St. Suite # 1506 Philadelphia, Pennsylvania USA
  • Phone: 888-600-5505
  • Web:
  • Category: Lawyers

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I paid the Foreclosure Law Center or also known as The Alia Law Group and GMK Solutions $3,000 for a mortgage modification. They promised me a modification and it would take 4 to 10 months to get done. I waited 11 months since I hired them in August of 2011 and my sale date was scheduled for September 7, 2012. There is a program in Berks County Pennsylvania where I live through the neighborhood housing services that postpones your sale date and tries to work out a modification with your lender, it's free. When I asked Drew Alia if this program could help me he said it was a SCAM, I should be fine and we are much more qualified then any state or government agencies. Well, I took Drew Alia's advice and now it's too late to be accepted into the program because the foreclosure is in the execution stage. The neighborhood housing services said I needed a court ordered petition to be accepted into the program because of it being in the execution stage of the foreclosure process. I then asked Naomi Catchings to file the petition to the court of common pleas of Berks county but was too stupid to understand what I was asking. She said that the petition needed to be filed to the mortgage company not to the court of common pleas. If I would have listened to her I would have already lost my home. I ended up having to hire another attorney to file the petition to get me into the program. I asked Drew Alia for a refund and he asked me why are you trying to rob me? This company is very unproffesional, rude, and has terrible communication skills. I would call there office 30 times for an update and get 1 email back. Naomi Catchings will never call you back and everybody in that company will lie to you to get your money. I've personally never been threatened by them but it was probably because I wouldn't let Drew Alia get a word in when he called my house after I reported him to the BBB, FTC, and the attorney generals office. These people will eventually pay for their crimes because that's just what they are criminals!

This report was posted on Ripoff Report on 05/30/2013 08:36 AM and is a permanent record located here: https://www.ripoffreport.com/reports/foreclosure-law-center-alia-law-group/philadelphia-pennsylvania-19102/foreclosure-law-center-alia-law-group-ripped-off-for-300000-philadelphia-pennsylvani-1054993. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#6 General Comment

Ripped off by Drew Alia

AUTHOR: Ken - ()

POSTED: Monday, September 09, 2013

I also have been ripped off by Mr. Alia.  Please contact me if this group is doing anything.

(((ROR redacted)))

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#5 Consumer Comment

FLC

AUTHOR: bellagirl - ()

POSTED: Saturday, June 01, 2013

 Hey Larry!! Thanks for joining us. One question.....your e mail address ends in comcast.net*96?The *96 just seemed a little strange, so I wanted to ask.  Just want to check to make sure we have the right info. I personally spoke to the CT Banking Commission on Thursday. They couldn't say much because the case is "pending". But the lawyer we are in contact with in PA knows about CT.  We need to keep as much info. as possible private, just amongst our group, so use the e mail contacts you have. We have your contact info., but we would like any additional info. you may have about Alia/FLC....websites, etc. Make sure you have all your own info. about your encounters with FLC organized and together. I don't know when you will need it.  We (there are three of us trying to lead the group) will compare all of our notes late Sunday or Monday and submit all the info. to the lawyer. It is important that you share any info you have and if you are contacted by anyone by e mail or phone call to respond. I don't know how this will play out nor do I have a timetable, I just want to be sure if an official or someone makes contact, that we all respond in a reasonable time frame.

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#4 Author of original report

Drew Alia is in big trouble in Connecticut!

AUTHOR: Lawrence C. Moore - ()

POSTED: Friday, May 31, 2013

State of Connecticut Department of Banking

 

 

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IN THE MATTER OF:

LAW OFFICES OF DREW ALIA, P.C.
A PROFESSOINAL LAW
CORPORATION
d/b/a THE ALIA LAW GROUP
("Alia Law Group")

GMK SOLUTIONS, LLC
("GMK Solutions")  
  
    (collectively, "Respondents")

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TEMPORARY ORDER TO
CEASE AND DESIST

NOTICE OF INTENT TO ISSUE
ORDER TO CEASE AND DESIST

NOTICE OF INTENT TO IMPOSE
CIVIL PENALTY

                      AND

NOTICE OF RIGHT TO HEARING


I.  LEGAL AUTHORITY AND JURISDICTION

The Banking Commissioner (“Commissioner”) is charged with the administration of Sections 36a-671 to 36a-671e, inclusive, contained in Part II of Chapter 669 of the Connecticut General Statutes, “Debt Adjusters and Debt Negotiation”.
 
Pursuant to the authority granted by Section 36a-17(a) of the 2012 Supplement to the General Statutes, the Commissioner, through the Consumer Credit Division of the Department of Banking, has investigated the activities of Respondents to determine if they have violated, are violating or are about to violate the provisions of the Connecticut General Statutes within the jurisdiction of the Commissioner.
 
Section 36a-17(a) of the 2012 Supplement to the General Statutes provides:
The commissioner, in the commissioner’s discretion, may make such public or private investigations or examinations within or outside this state, concerning any person subject to the jurisdiction of the commissioner, as the commissioner deems necessary to carry out the duties of the commissioner.
Section 36a-52 of the Connecticut General Statutes provides, in pertinent part, that:
(a)  Whenever it appears to the commissioner that any person has violated, is violating or is about to violate any provision of the general statutes within the jurisdiction of the commissioner, . . . the commissioner may send a notice to such person by registered or certified mail, return receipt requested, or by any express delivery carrier that provides a dated delivery receipt.  The notice shall be deemed received by the person on the earlier of the date of actual receipt, or seven days after mailing or sending.  Any such notice shall include:  (1) A statement of the time, place, and nature of the hearing; (2) a statement of the legal authority and jurisdiction under which the hearing is to be held; (3) a reference to the particular sections of the general statutes . . . alleged to have been violated; (4) a short and plain statement of the matters asserted; and (5) a statement indicating that such person may file a written request for a hearing on the matters asserted within fourteen days of receipt of the notice.  If a hearing is requested within the time specified in the notice, the commissioner shall hold a hearing upon the matters asserted in the notice, unless the person fails to appear at the hearing.  After the hearing, the commissioner shall determine whether an order to cease and desist should be issued against the person named in the notice.  If the person does not request a hearing within the time specified in the notice or fails to appear at the hearing, the commissioner shall issue an order to cease and desist against the person.  No such order shall be issued except in accordance with the provisions of chapter 54.
(b)  If the commissioner finds that the public welfare requires immediate action, the commissioner may incorporate a finding to that effect in the notice sent in accordance with subsection (a) of this section and issue a temporary order requiring the person to cease and desist from the activity which constitutes such alleged violation and to take or refrain from taking such action as in the opinion of the commissioner will effectuate the purposes of this section.  Such temporary order shall become effective on receipt and, unless set aside or modified by a court, shall remain in effect until the effective date of a permanent order or dismissal of the matters asserted in the notice.
Section 36a-50(a) of the Connecticut General Statutes provides, in pertinent part, that:
(1)  Whenever the commissioner finds as the result of an investigation that any person has violated any provision of the general statutes within the jurisdiction of the commissioner, . . . the commissioner may send a notice to such person by registered or certified mail, return receipt requested, or by any express delivery carrier that provides a dated delivery receipt.  The notice shall be deemed received by the person on the earlier of the date of actual receipt or seven days after mailing or sending.  Any such notice shall include:  (A) A statement of the time, place, and nature of the hearing; (B) a statement of the legal authority and jurisdiction under which the hearing is to be held; (C) a reference to the particular sections of the general statutes . . . alleged to have been violated; (D) a short and plain statement of the matters asserted; (E) the maximum penalty that may be imposed for such violation; and (F) a statement indicating that such person may file a written request for a hearing on the matters asserted within fourteen days of receipt of the notice.
(2)  If a hearing is requested within the time specified in the notice, the commissioner shall hold a hearing upon the matters asserted in the notice unless such person fails to appear at the hearing.  After the hearing, if the commissioner finds that the person has violated any such provision, . . . the commissioner may, in the commissioner’s discretion and in addition to any other remedy authorized by law, order that a civil penalty not exceeding one hundred thousand dollars per violation be imposed upon such person.  If such person does not request a hearing within the time specified in the notice or fails to appear at the hearing, the commissioner may, as the facts require, order that a civil penalty not exceeding one hundred thousand dollars per violation be imposed upon such person.
(3)  Each action undertaken by the commissioner under this subsection shall be in accordance with the provisions of chapter 54.
Section 36a-671a(c) of the 2012 Supplement to the General Statutes provides, in pertinent part, that:
Upon complaint, the commissioner may review any fees or charges assessed by a person engaging or offering to engage in debt negotiation services and order the reduction of such fees or charges or repayment of such amount of the fees or charges that the commissioner deems excessive, taking into consideration the fees that other persons performing similar debt negotiation services charge for such services and the benefit to the consumer of such services. . . .
 

II.  MATTERS ASSERTED
 
1. Alia Law Group is a Pennsylvania corporation with offices at 1518 Walnut Street, Suite 1506, Philadelphia, Pennsylvania; and 1218 South Broad Street, Philadelphia, Pennsylvania.
2. GMK Solutions is a Pennsylvania limited liability company with offices at 1819 JFK Boulevard, Suite 301, Philadelphia, Pennsylvania; and 1518 Walnut Street, Suite 1506, Philadelphia, Pennsylvania and is an owner of Alia Law Group.
3. On or about April 22, 2011, two (2) Connecticut residents, while physically present in this state, entered into a Client Agreement with Alia Law Group in which Alia Law Group promised to assist them “with possibly disputing, negotiating and settling for a new more affordable mortgage, which disputes include, but are not limited to, possible violations of law in the origination of your mortgage”.
4. In connection with the Client Agreement, payments totaling $3,500 were debited from one of the Connecticut resident’s bank account by GMK Solutions, which amount is in excess of amounts that debt negotiators may charge for services pursuant to the Schedule of Maximum Fees established by the Commissioner on or about October 1, 2009.
5. On or about October 1, 2009, the Commissioner established a Schedule of Maximum Fees, which provides, in pertinent part, that “[a] debt negotiator of secured debt, including Short Sales and Foreclosure Rescue Services, may impose a fee upon the mortgagor or debtor for performing debt negotiation services not to exceed five hundred dollars ($500).  Such fee shall only be collectable upon the successful completion of all services stated in the debt negotiation service contract”.
6. On July 26, 2011, Alia Law Group entered into an Associate Attorney Employment Agreement with a Connecticut attorney; however, neither of the Connecticut residents were ever contacted by nor ever spoke with such attorney.
7. At no time relevant hereto were Respondents licensed to engage or offer to engage in debt negotiation in this state, nor did Respondents qualify for an exemption from such licensure.
8.
On January 3, 2012, the Commissioner received a complaint filed by one of the Connecticut residents, as more fully described in paragraph 3 above, concerning Respondents’ failure to perform the debt negotiation services.
 
 
III.  STATUTORY BASIS FOR ORDER TO CEASE
AND DESIST AND IMPOSITION OF CIVIL PENALTY
 
Section 36a-671 of the Connecticut General Statutes states, in effect prior to October 1, 2011, provided, in pertinent part, that:
(a)  As used in this section and sections 36a-671a to 36a-671d, inclusive, (1) “debt negotiation” means, for or with the expectation of a fee, commission or other valuable consideration, assisting a debtor in negotiating or attempting to negotiate on behalf of a debtor the terms of a debtor’s obligations with one or more mortgagees or creditors of the debtor; . . . (2) “debtor” means any individual who has incurred indebtedness or owes a debt for personal, family or household purposes; . . . (4) “mortgagor” means a debtor who is an owner of residential property, including, but not limited to, a single-family unit in a common interest community, who is also the borrower under a mortgage encumbering such residential property; . . . and (7) “residential property” means one-to-four family owner-occupied real property.
(b)  No person shall engage or offer to engage in debt negotiation in this state without a license issued under this section for each location where debt negotiation will be conducted. . . .  A person is engaging in debt negotiation in this state if such person:  . . . (2) has a place of business located outside of this state and the debtor is a resident of this state who negotiates or agrees to the terms of the services contract in person, by mail, by telephone or via the Internet while physically present in this state; or (3) has its place of business located outside of this state and the contract concerns a debt that is secured by property located within this state.
Section 36a-671a(b) of the 2012 Supplement to the General Statutes provides, in pertinent part, that:
Whenever it appears to the commissioner that any person has violated, is violating or is about to violate the provisions of sections 36a-671 to 36a-671e, inclusive, . . . the commissioner may take action against such person . . . in accordance with sections 36a-50 and 36a-52.  For purposes of sections 36a-671 to 36a-671e, inclusive, each engagement and each offer to engage in debt negotiation shall constitute a separate violation.
Section 36a-671b(b) of the Connecticut General Statutes provides, in pertinent part, that:
No person offering debt negotiation services may receive a fee, commission or other valuable consideration for the performance of any service the person offering debt negotiation services has agreed to perform for any consumer until the person offering debt negotiation services has fully performed such service.  A person offering debt negotiation services may receive reasonable periodic payments as services are rendered, provided such payments are clearly stated in the contract.  The commissioner may establish a schedule of maximum fees that a debt negotiator may charge for specific services.
1. Alia Law Group’s engaging in debt negotiation in this state without obtaining the required license, as more fully described in paragraphs 1, 3 and 4 through 8, inclusive, of the Matters Asserted, constitutes a violation of Section 36a-671(b) of the Connecticut General Statutes, in effect prior to October 1, 2011.  Such violation forms the basis to issue an order to cease and desist pursuant to Section 36a-671a(b) of the 2012 Supplement to the General Statutes and Section 36a-52(a) of the Connecticut General Statutes, and impose a civil penalty pursuant to Section 36a-671a(b) of the 2012 Supplement to the General Statutes and Section 36a-50(a) of the Connecticut General Statutes.  Section 36a-50(a) of the Connecticut General Statutes authorizes the Commissioner to impose a civil penalty upon Alia Law Group in an amount not to exceed One Hundred Thousand Dollars ($100,000) per violation.
2.
GMK Solutions’ engaging in debt negotiation in this state without obtaining the required license, as more fully described in paragraphs 2, 4, 5, 7 and 8 of the Matters Asserted, constitutes a violation of Section 36a-671(b) of the Connecticut General Statutes, in effect prior to October 1, 2011.  Such violation forms the basis to issue an order to cease and desist pursuant to Section 36a-671a(b) of the 2012 Supplement to the General Statutes and Section 36a-52(a) of the Connecticut General Statutes, and impose a civil penalty pursuant to Section 36a-671a(b) of the 2012 Supplement to the General Statutes and Section 36a-50(a) of the Connecticut General Statutes.  Section 36a-50(a) of the Connecticut General Statutes authorizes the Commissioner to impose a civil penalty upon GMK Solutions in an amount not to exceed One Hundred Thousand Dollars ($100,000) per violation.
 
 
IV.  FINDING AND STATUTORY BASIS FOR
TEMPORARY ORDER TO CEASE AND DESIST
 
The Commissioner finds that public welfare requires immediate action to issue a temporary order requiring Respondents to cease and desist from violating Section 36a-671(b) of the Connecticut General Statutes, in effect prior to October 1, 2011, and to take such action as set forth herein to effectuate the purposes of Section 36a-52(b) of the Connecticut General Statutes.  Specifically, Connecticut residents, who are already in debt, are being materially prejudiced, and future Connecticut debtors who may do business with Respondents require protection when Respondents continue to offer debt negotiation without the required license.  The Commissioner also finds the payment of $3,500 in fees by a Connecticut resident to be excessive, upon consideration of the fact that such fees are in excess of amounts allowed by the Schedule of Maximum Fees issued by the Commissioner, the debt negotiation services contract was not successfully completed and the Connecticut residents received no benefit from such contract.
 

V.  TEMPORARY ORDER TO CEASE AND DESIST, NOTICE OF INTENT TO ISSUE
ORDER TO CEASE AND DESIST, NOTICE OF INTENT TO IMPOSE
CIVIL PENALTY AND NOTICE OF RIGHT TO HEARING
 
WHEREAS, the Commissioner has reason to believe that Respondents have engaged in acts or conduct which forms the basis to issue an order to cease and desist pursuant to Section 36a-671a(b) of the 2012 Supplement to the General Statutes and Section 36a-52(a) of the Connecticut General Statutes, and impose a civil penalty pursuant to Section 36a-671a(b) of the 2012 Supplement to the General Statutes and Section 36a-50(a) of the Connecticut to the General Statutes;
 
AND WHEREAS, the Commissioner has made the finding required under Section 36a-52(b) of the Connecticut General Statutes.
 
THE COMMISSIONER THEREFORE ORDERS, pursuant to Section 36a-52(b) of the Connecticut General Statutes, that Law Offices of Drew Alia, P.C., A Professional Corporation d/b/a The Alia Law Group immediately CEASE AND DESIST from violating Section 36a-671(b) of the Connecticut General Statutes, in effect prior to October 1, 2011.  This Temporary Order shall become effective upon receipt by Law Offices of Drew Alia, P.C., A Professional Corporation d/b/a The Alia Law Group, and, unless set aside or modified by a court, shall remain in effect until the effective date of a permanent order or dismissal of the matters asserted in this Temporary Order.
 
THE COMMISSIONER FURTHER ORDERS, pursuant to Section 36a-52(b) of the Connecticut General Statutes, that GMK Solutions, LLC immediately CEASE AND DESIST from violating Section 36a-671(b) of the Connecticut General Statutes, in effect prior to October 1, 2011.  This Temporary Order shall become effective upon receipt by GMK Solutions, LLC, and, unless set aside or modified by a court, shall remain in effect until the effective date of a permanent order or dismissal of the matters asserted in this Temporary Order.
 
THE COMMISSIONER FURTHER ORDERS, pursuant to Section 36a-52(b) of the Connecticut General Statutes and Section 36a-671a(c) of the 2012 Supplement to the General Statutes, that:  Not later than 10 days from receipt of this Order, Law Offices of Drew Alia, P.C., A Professional Corporation d/b/a The Alia Law Group and GMK Solutions, LLC shall:
 
1. Provide repayment of $3,500 to the Connecticut residents identified in Exhibit A by cashier’s check, certified check or money order; and
2. Provide to Carmine Costa, Director, Consumer Credit Division, Department of Banking, 260 Constitution Plaza, Hartford, Connecticut 06103-1800, or carmine.costa@ct.gov, evidence of such repayment and a list of all Connecticut residents with whom they have entered into agreements for debt negotiation services on and after October 1, 2009.  Such submission shall include:  (a) a copy of each agreement, and (b) a list of each debtor’s name and address and full itemization of each debtor’s payments made pursuant to the agreement, specifying the dates, amounts and recipient of such payments.
 
NOW THEREFORE, notice is hereby given to Alia Law Group that the Commissioner intends to issue an order requiring Alia Law Group to CEASE AND DESIST from violating Section 36a-671(b) of the Connecticut General Statutes, in effect prior to October 1, 2011, and impose a CIVIL PENALTY upon Alia Law Group as set forth herein, subject to Alia Law Group’s right to a hearing on the allegations set forth above.
 
FURTHER, notice is hereby given to GMK Solutions that the Commissioner intends to issue an order requiring GMK Solutions to CEASE AND DESIST from violating Section 36a-671(b) of the Connecticut General Statutes, in effect prior to October 1, 2011, and impose a CIVIL PENALTY upon Respondents as set forth herein, subject to GMK Solutions’ right to a hearing on the allegations set forth above.
 
A hearing will be granted to each Respondent if a written request for a hearing is received by the Department of Banking, Consumer Credit Division, 260 Constitution Plaza, Hartford, Connecticut 06103-1800 within fourteen (14) days following each Respondent’s receipt of this Temporary Order to Cease and Desist, Notice of Intent to Issue Order to Cease and Desist, Notice of Intent to Impose Civil Penalty and Notice of Right to Hearing as set forth in Sections 36a-52(a) and 36a-50(a) of the Connecticut General Statutes.  This Temporary Order to Cease and Desist, Notice of Intent to Issue Order to Cease and Desist, Notice of Intent to Impose Civil Penalty and Notice of Right to Hearing shall be deemed received on the earlier of the date of actual receipt, or seven days after mailing or sending.  The enclosed Appearance and Request for Hearing Form must be completed and mailed to the above address.  If any Respondent will not be represented by an attorney at the hearing, please complete the Appearance and Request for Hearing Form as “pro se”.  Once a written request for a hearing is received, the Commissioner may issue a notification of hearing and designation of hearing officer that acknowledges receipt of a request for a hearing, designates a hearing officer and sets the date of the hearing in accordance with Section 4-177 of the Connecticut General Statutes and Section 36a-1-21 of the Regulations of Connecticut State Agencies.  If a hearing is requested, the hearing will be held on November 6, 2012, at 10 a.m., at the Department of Banking, 260 Constitution Plaza, Hartford, Connecticut.
 
The hearing will be held in accordance with the provisions of Chapter 54 of the Connecticut General Statutes, unless Respondents fail to appear at the requested hearing.  At such hearing, Respondents will have the right to appear and present evidence, rebuttal evidence and argument on all issues of fact and law to be considered by the Commissioner.
 
If Alia Law Group does not request a hearing within the time prescribed, the Commissioner will issue an order that Alia Law Group cease and desist from violating Section 36a-671(b) of the Connecticut General Statutes, in effect prior to October 1, 2011, may issue an order of repayment of fees, and may order a civil penalty in an amount not to exceed One Hundred Thousand Dollars ($100,000) per violation be imposed upon Alia Law Group.
 
If GMK Solutions does not request a hearing within the time prescribed, the Commissioner will issue an order that GMK Solutions cease and desist from violating Section 36a-671(b) of the Connecticut General Statutes, in effect prior to October 1, 2011, may issue an order of repayment of fees, and may order a civil penalty in an amount not to exceed One Hundred Thousand Dollars ($100,000) per violation be imposed upon GMK Solutions.
 
 
 
So ordered at Hartford, Connecticut
this 12th day of September 2012.      ________/s/_________
                                                   Howard F. Pitkin
                                                   Banking Commissioner
 
 

CERTIFICATION
 
I hereby certify that on this 12th day of September 2012, the foregoing Temporary Order to Cease and Desist, Notice of Intent to Issue Order to Cease and Desist, Notice of Intent to Impose Civil Penalty and Notice of Right to Hearing was sent by certified mail, return receipt requested, to Law Offices of Drew Alia, P.C., A Professional Corporation d/b/a The Alia Law Group, Attention:  Drew Alia, Esq., at 1518 Walnut Street, Suite 1506, Philadelphia, Pennsylvania 19102, certified mail no. 70110470000225730300, and 1218 South Broad Street, Philadelphia, Pennsylvania 19102, certified mail no. 7112000000247358536; and to GMK Solutions, LLC, at 1819 JFK Boulevard, Suite 301, Philadelphia, Pennsylvania 19103, certified mail no. 70110470000225730317, and 1518 Walnut Street, Suite 1506, Philadelphia, Pennsylvania 19102, certified mail no. 70112000000247358543.
 
 
                                                   ________/s/_________
                                                   Doniel Kitt
                                                   Prosecuting Attorney
 

Administrative Orders and Settlements





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#3 Author of original report

Foreclosure law center

AUTHOR: Lawrence C. Moore - ()

POSTED: Friday, May 31, 2013

Sheryl my email is larryandrochell@comcast.net*96

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#2 Consumer Comment

Foreclosure law center/GMK Solutions

AUTHOR: sherryo - ()

POSTED: Thursday, May 30, 2013

 Larry want you with us. 360-560-0907

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#1 Consumer Comment

FLC

AUTHOR: bellagirl - ()

POSTED: Thursday, May 30, 2013

 Mr. Moore...It is very important that you contact one of the emails that are attached to some of the reports about FLC. We have formed a small group offline and are all working together. There are about 10 of us, from PA to WA to TX, MN, OH and every where in between. We have a reoccuring theme with Alia and that is that he his unethical and immoral. There are rules and regulations of conduct that a lawyer must adhere to....we would venture to say he's broken quite a few. We are finding out with the FTC and BBB that we are better heard as a group than as private individuals. We have made it our mission to stop him. Look up GMK Solutions, Alia Law Group and Drew Alia. He's in big trouble in CT. PLEASE....there are several e mail addresses posted with the complaints about FLC. Please contact one of them and join our group. Our mission is moving along slowly but surely, so be sure to make contact and join our group. If for anything else, to stop them from doing this to someone else.

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