Merlan and Associates, LLC SecureOne Capital, David Merlan aka fake attorney aka "John" aka David gonzalez. Charge upfront fees for a government programs such as HAMP and HARP and closing cost! Santa ana, California

David Merlan Gonzalez is the CEO of Merlan And Associates LLC and is now working along with secure one capital. This greedy man is conniving and claim to be a law firm that offers government program to distress homeowners. He charge 6,000 for a simple modification that never gets approved. He also has a retainer that's very outdated. It seems like he downloaded the forms himself online. He's a smooth B.S.er and very arrogant. He won't touch your file unless you pay them in full. Merlan and associates offer the HAMP (modification) and charges HARP (refinance) upfront and closing cost totaling 11,000 !!!! It's a illegal! He needs to refund all homeowner that he's cashing in on. Government programs are free!!! This guy is the reason why a lot of people are losing their homes!!