Scott Karl, Fred Costillo, and Christian are at it again, scamming both businesses and consumers out of money, not modifying the loan modifications they accept, and bouncing checks on every business and employee around. They even bounced their check on the moving company that moved them overnight to their new location! They are well known in Orange County as habitual bad check writers.
Every loan they have accepted has never been modified.
They have never issued a refund to any of their clients.
They were operating under the law firm Hays and Associates temporarily, but when the attorney found out who they were, he pulled his license from their office. Hays and Associates located in Foothill is a valid and legitimate Hays and Associates branch, yet the one located one 1 technology drive in Irvine California is in actuality FEDMOD in itself, running and disgusing themselves as others. They are using names all the way from Federal Home Loan Relief, with the logo of HOPE, and Hays and associates. If dealing with Hays And Associates, please be 100% certain that their address is at the Foothill address on their website, and not at 1 Technology Drive. There is also a software engineer behind this scam, providing the ammo for them to kill homeowners, his name is John Tran. He is vietnamese, and thinks he knows everything, when in reality, he's just a crook like them. John Tran and Scott Karl both own 50% of the business each. Fred Costillo is the biggest crook in the office and the least paid. John Tran controls Scott Karl. Scott Karl is scared of John Tran, so all complaints should be directed to John Tran, seeing as how the only question that Scott Karl asks when John Tran asks is How High?
John Tran is the only one in the office who probably ever had a shot at being a decent human being, but he let that go for the sake of making a quick buck in loan modifications. His claim to fame is clickthrough OS, a second rate, unknown relatively nonused CRM that they claim has an operating system, but really doesn't. Leads360 is the real CRM out there.
John Tran hides upstairs in his 20,000 square foot office, under the veil, as a software engineer. He claims he has founded both etrade.com and lendingtree. It is our belief, that he fell out of the tree.
Fred Costillo is always so nervous, that it looks like he just robbed a liquor store. Couple that with his cocaine habit, and all 90 pounds of him are undesirable. If you were to give him a kiss on his cheek, his cheek bones would pop your eye out. He is Scott Karls flunky, so John Tran to him, must be GOD.
After loan modifications, their plan is to grow marijuana in a warehouse. They have disclosed their plans to us in detail, and that is where they are dumping their client's money, in order to captivate a cash crop of marijuana.
The feds, along with local law enforcement, are frequent visitors to their 20,000 square foot RENTED compound. If you have been scammed by these people, THE FEDS ARE LOOKING FOR THEM, AND WANT TO TALK TO YOU, and we would like to talk to you as well regarding a class action lawsuit. Please respond to this post with your email address and story, and we will contact the appropriate authorities and have our counsel start working on a civic suit for you as well.
Please keep in mind, beware if you are Asian, because Scott Karl refers to all Asian people as rice eaters. It's funny how John Tran keeps Scott Karl's balls in his left front hand drawer.
It is our belief that since Scott Karl, Christian, and Fred Costillo, have a combined IQ of 120 at best, that the true lowlife behind these shenanigans is none other than John Tran. John Tran is truly the syringe for their drug addiction. He provides the money, safe haven, and tools for these domestic terrorists.
Federal authorities have been alerted that these dirt bags have yet again surfaced and are wreaking havoc by putting homeowners out on their street, along with their children and pets. We will be working around the clock to bring this madness to a close, please post your story as soon as possible, as our attorney has already begun working on a class action lawsuit. Our goal is to not only see them fined, blacklisted, but have a minimum of a 2 1/2 year prison sentence. John Tran should probably receive the largest sentence, because without his assistance, they would still be working out of their garage.
Thorn in your side
Los Angeles, California