Ripoff Report Verified™ REVIEW:
EDitor’s UPDATE: Positive rating and recognition has been given to
Bresalier and Associates, PA DBA Home Law for its commitment to excellence in client satisfaction.
Ripoff Report’s discussions with Bresalier and Associates, PA DBA Home Law have uncovered an ongoing commitment by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any complaints or concerns. Bresalier and Associates, PA DBA Home Law listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a law office in the services offered and the support for those services.
Bresalier and Associates, PA DBA Home Law principal, Mr. [continued below]....
..... Andrew Bresalier, has informed us that his personal philosophy is that his clients are a precious resource. As a successful Attorney, Mr. Bresalier feels it is critical to listen to his clients and respond properly. By always putting the needs of his clients first, Mr. Bresalier hopes to maintain Bresalier and Associates, PA DBA Home Law as a successful law office both now and for many years to come.
Our law office is proud of what we do. We have helped hundreds of struggling homeowners achieve mortgage payments they can now afford and avoid losing their homes. It is a great feeling knowing you have helped someone that has experienced an unpredictable hardship and be able to at least relieve the stress their living situation may have caused. Some of the other things Rip-off Report learned in the course of its investigation: typical customer feedback reads: “Bresalier and Associates, PA DBA Home Law (and Mr. Bresalier) truly communicate all aspects of the job in a timely and effective manner. We are very pleased with the responsiveness that he and his employees show us. They are serious about meeting commitments, and deliver on all their promises.” The information provided in this report below is based on comments made by Jason Buff during an onsite inspection held by a third party verification company with no biases toward Bresalier and Associates.Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..
Bresalier and Associates offer real estate mortgage modifications and their main focus is to assist those with foreclosure, negative equity, and interest rate concerns.
In order to acquire leads for their sales, their company utilizes general advertisements, their marketing department, their website, and customer referrals. Client Care / 100% money back guarantee
When a client begins to work with Bresalier and Associates, they can expect to go through a typical sales process. First, they speak with their consumer intake specialists. Next, they will fill out an application and any information requests. After this initial process, their case will be elevated to a manager which includes attorney involvement.
Their manager, Jason Buff was asked how they advise and suggest products for their clients. He explained, “Based on the needs of the client, we will suggest available products and require them to review the materials and available options before making a decision to move forward.”
Moving forward, their aim is to assist individuals with mortgage and interest rate modifications for a fee, and refund money to any individuals who they are unable to assist due to circumstances beyond their control.
In an effort to set themselves apart from other competitors in their industry, Bresalier and Associates provide certain unique services to their clients. For example, the lead attorney is always available for all clients and personal cell phone numbers are on each business card. In addition, if their company is unable to assist or provide services for reasons that are uncontrollable to the consumer, they are given a full refund.
When taking care of a complaint, their manager, Jason Buff, is immediately involved to address the situation and concerns. The clients concerns are address immediately and in a timely manner, or a refund is given.
During the onsite interview, Mr. Buff was asked to address complaints made on Ripoff Report where a client felt as though they were misled during their loan process, or paid in advance for things they did not end up benefiting from: In this case, we offer a full refund. We have implemented different internal policies and verify the information the client provides sooner to ensure we are dealing with the factual data with the mortgage, including ownership of the note and/or property.”
Bresalier and Associates is pleased to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program. They are encouraged to have the opportunity to overcome these complaints and feel that being a part of the advocacy and consumer program may help their business to show potential customers that they strive to satisfy every client, and offer a refund of their money if they cannot. Bresalier and Associates, PA DBA Home Law / Statements from the owner Bresalier. "
At Bresalier and Associates, PA DBA Home Law we pride ourselves in our experience and strong client communication to achieve the best results. With several years of experience at every position of the law office, the results achieved for our clients’ are top notch. The majority of our business comes from referrals of satisfied past and present clients looking to help out friends, family and co-workers. That speaks volumes of the service we provide.” STATED IMPROVEMENTS FROM Bresalier and Associates, PA DBA Home Law.
Bresalier and Associates, PA DBA Home Law recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities and we take them seriously as we strive to do the best job possible for each and every client. "
We have always been in business to help our clients and not put them in a worse situation then when we met them. In the rare case the lender/bank refused to modify their mortgage, we would return all monies paid to the law office. Last year, we added a money back guarantee to our Service Agreement to further assure our clients we are here to help and in the unlikely event we are not able to they will receive their money back. This should overstate the confidence we have in what we do.” Avoid Mortgage Relief Scams
People considering help with their loan modification should do their homework and be cautious on who they are dealing with. If they are promised a certain rate/terms that is a sign of a possible scam. As good as we are at what we do, we are not able to predict 100% what the bank will offer.
In the United States, the number of foreclosures continues to increase each and every day. In order to avoid or prevent foreclosure, people are starting to become aware of their options and are pursuing loan modifications quite heavily.
Due to the increase in demand for mortgage relief, more and more companies are offering loan modification services, but not all of these companies are legitimate. In fact, many of these companies are engaging in illegal scams or acting as impostors. Instead of helping people, they are taking advantage of them and committing fraud and theft in the process.
The FBI reports that there have been numerous reports of mortgage-reduction schemes in several states. Many scammers and impostors are taking advantage of people by promising things they simply cannot deliver. In some cases, these impostors are asking for fees upfront from homeowners without doing any work at all. This means that homeowners are paying hundreds if not thousands of dollars for services they will never receive. These scams are initiated through mail or by phone and target unsuspecting victims who are merely looking to save their homes. If a homeowner is seeking a loan modification, they should discuss the homeowner's situation. "
If you are hoping to obtain help in saving your home and possibly re-negotiating the terms of your mortgage, Home Law Group encourages you to do your research and avoid falling victim to the impostors who are preying on innocent people. Instead of choosing a loan modification company, we urge you to work with a law office that handles loan modifications instead. By working with us, you will have access to actual lawyers who understand and have extensive experience with home loan law and real estate law. This means that you will receive legitimate services from qualified legal professionals, which will not only help you obtain a loan modification quickly, but also put your mind at ease.
Do not fall victim to scams or impostors.”
In summary, after our review, which included discussions with Mr. Bresalier and his associates, Ripoff Report is convinced that Bresalier and Associates, PA DBA Home Law is committed to quality delivery of services resulting in total client satisfaction. Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike. Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.
As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer. NOW TO THE ORIGINAL REPORT THAT WAS FILED
BRESALIER & ASC dba HOME LAW ANDREW S. BRESALIER, Andrew S. Bresalier, PAFlorida Bar ID Number: - 493279 BRESALIER & ASC dba BRESALIER & ASC dba HOME LAW Pompano Beach Florida
FELON “LARRY KERCHENBAUM” OWNS AND MANAGES ILLEGAL ROBO DIALING –
BRESALIER & ASC dba HOME LAW
ANDREW S. BRESALIER,
Andrew S. Bresalier, PA
Florida Bar ID Number: - 493279
BRESALIER & ASC dba Home Law
(FLA - P13000018186)
- Federal Courts: U.S. District Court, Middle District of Florida
- U.S. District Court, Southern District of Florida
- Florida Middle District Bankruptcy Court
- Florida Southern District Bankruptcy Court
- State Courts: Florida
- Firm Size: One
- Occupation: Private Law Practice
- Practice Areas: Bankruptcy
- Debtor and Creditor
- Real Estate
- Real Property, Probate and Trust Law
- Trusts and Estates
- Wills, Trusts and Estates
My private cell phone number had been robo-dialed by this Company about 8 or 9 times a day for about two consecutive weeks. I politely but firmly requested, then insisted that my cell number be removed from any lists and put on their Do Not Call list several times. Alas I was ignored. So, I took it upon myself to investigate this bunch of predatory con artists and taped the calls and the ensuing lies that this company tells to its potential victims.
I’ve marked the lies in red for all too see.
I live in California. I don’t have a mortgage or any debits that require assistance or modification, so why I should receive dozens of calls from Home Law Group seemed mysterious to me. I was eventually informed by a company’s counselor named R.J that my private cell number had been purchased from my personal bank! Wells Fargo- .
R.J, sounds like a woman but he insists he is a man, then went on to tell me about his law firms National Network of Attorneys that modifies mortgages in every US State - <lie#2> and that this network of national attorneys is headed up by ‘one man band’ Florida law firm Andrew S. Bresalier (see above) - , and that Home Law modifies about 1000 mortgages every month, and had been in business since 2008.
I played along with R.J and fed him a totally make believe mortgage mess to see where his lies would go next. I even told R.J I’d been recently victimized by another modification attorney that had said all the same things as R.J had and had then taken $3500 from me but didn’t produce any modification and no longer answered his phone. R.J encouraged me to contact the California Attorney General’s office and report them while seeking a refund.
R.J promised to get back to me after he had received an underwritten approval <lie#4> to modify my pretend Wells Fargo mortgage mess. R.J never asked for my loan number, social security number, date of birth or any other detail that would help him modify my make believe mortgage.
The following day R.J called back with great news –
R.J said I’d been approved and underwritten for a mortgage modification! Lie #5.
I asked R.J how this modification process would work and R J said that first I was to be emailed a retainer or service agreement by his Law Firm, and after agreeing and signing the retainer, R.J would instruct all of the modification forms to come to me by email for my completion. The cost of the modification was going to be $4400, paid in four payments of $1,100 each. This fee had been structured by Wells Fargo and the size of the fee was my new monthly mortgage payment multiplied by four because it would take four months to modify my mortgage according to Wells Fargo. R.J also told me I wouldn’t need to pay my mortgage during the modification (although the paperwork R.J sent me expressed the opposite) Lie #6.
I asked if I could use my direct debit card to pay but I was told that I needed to send four post-dated checks as these checks were shown to Wells Fargo – my mortgage bank <lie#7> to show I could budget to pay the modified mortgage.
Continuing to play along I agreed enthusiastically to R.J’s terms and was quickly transferred to the Compliance Director of this Law firm - Larry Kerchenbaum. Larry affably chatted to me about my mortgage and generally told me a repeated set of the same lies that R.J had told me.
Larry Kerchenbaum stated that he is the Law Firms Compliance Director but he omitted to disclose or in fact mention his prior prison records for fraud:
Larry Kerchenbaum also omitted to state the fact that Andrew S. Bresalier is only licensed in the state of Florida, and Andrew S. Bresalier is a one man law firm without a National Network of Attorneys, Co counsels or even Paralegal staff.
Andrew S Bresalier doesn’t mention mortgages or modification anywhere in his Florida Bar disclaimer.
The documents that R.J, Larry Kerchenbaum and someone named Kevin Jarochak sent to me included a limited Power Of Attorney. Included on this document was a list of names of Home Law Center * Agents none of which are actually attorneys <lie#8> : Daniela Rutshelle, Victoria Hoang, David Borovsky, Sabrina Hunter, Kevin Jaroschak – Interestingly here is Kevin Jarochaks mugshot from his 2012 arrest: http://thumbs.mugshots.com/gallery/images/2/25/5b/Kevin-Jaroschak_mugshot.400x800.jpg
*Home Law Center was the previous name for these scamsters – see Ripoff Report:
After checking the Attorney Bar again in numerous US states including Florida, NY and California it became obvious that Victoria Hoang, David Borovsky, Sabrina Hunter, Kevin Jaroschak have never been to any US law school.
Daniela Rutshelle according to a variety of internet sites claims to be: A Master of Laws, and had attended Maurice A. Deane School of Law at Hofstra University New York. Daniella Rutshelle was a Public Notary, a Certified Circuit Civil Mediator - Florida Supreme Court, a Licensed Mortgage Broker, and certified by the Office of Financial Regulation.
Maurice A. Deane School of Law at Hofstra University, New York does not have a record of Daniela Rutshelle’s attendance. Alas – the NY Bar association doesn’t have a record for Daniela Rutshelle being an attorney in NY, Florida, California or anywhere else in the USA.
So who are these people?
Maybe now they will add my cell phone number to their DO NOT CALL LIST.