• Report: #606346

Complaint Review: The Law Office of Christopher Persaud

  • Submitted: Sun, May 23, 2010
  • Updated: Fri, October 08, 2010

  • Reported By: Maria — Ellicott City Maryland United States of America
The Law Office of Christopher Persaud
233 North D Street San Bernardino, California United States of America
  • Phone: 909-945-9559
  • Web:
  • Category: Lawyers

The Law Office of Christopher Persaud Legal Modification Firm Attorney provides legal services for loan modifications and debt settlements San Bernardino, California

*Consumer Suggestion: I can Help

*UPDATE Employee: This process requires a lot of patience.

*Author of original report: Misunderstanding circumstances due to lack of information!

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I can' t believe we got scammed!!! 

A friend of ours told us about Legal Modification Firm who really helps people.  After doing some investigation work, this firm looked very legit.  They had an A+ rating on the BBB, we knew of a person who actually got a  modification and their website looked good. 

We started our process with Christopher Persaud in November 2009.  We were approved to be a good candidate for a loan modification.  In order to start the processing we had to pay the fee of $2500.00. 

In December our file was sent over to processing department where the nightmare began!!!  It was hard to get in touch with, no one answered the phone or returned calls.  When we did get through they told us they started negotiations with our bank. 

But they told us not to contact the bank because we could provide wrong information and put the modification in danger.  After speaking to them, we got a letter from our lender that the firm rquested 3rd party authorization.  So we had no reason not to think there was anything wrong. 

But February came and gone and hear nothing.  In the beginning of March we got a phone call from a girl from the firm asking us to send the last 4 pay stubs for final review of the negotiations.  So we still had nothing to worry about.  April came and we heard nothing. 

 So we thought that was weird.  So I start calling different numbers I had. No one answered.  Now I started calling 20 times a day, everday and leaving messages.  We hear nothing.  So I decide to call our lender and they said they have nothing from them since the 3 rd party authorization was done back in January.  Now we had no way to get in touch with them and out $2500. 

What to do, I checked the BBB to see what was happening.  Oh my God...I am reading reviews from others in the same situation.  So I wrote my review as well. 

The next day, I get a message on my BBB account from someone saying he was Christopher Persaud.  So we got in contact with this person on 4/21/10.  It took several days but we got in touch with him. 

But we first talked to his personal assistant, Paloma Rodriguez.  She explained to us that it was some of the employees and he was not aware what was happening.  He has started a criminal investigation.

She also said he could not give us our money back because he does not have it and our file is not there.  But he would take care of our case for free.  Well we did not believe this.

So the next day I went to the bank and got a copy of our returned checks to see who and where they money went.  To our surprise, it had the signature of Christopher Persaud and his bank account.

So immediately we called him and of course we coud not reach him or the assistant.  We left messages.  We tried again that evening and we got in touch with both of them.  He talked with us and agreed that he would take care of our case.

All of the sudden our file showed up!  He talked with us and made agreements, which he never followed through with.  From 4/21 until today 5/22, it has been another nighmare!!

They told us our file was in the underwriting stage for 2-3 weeks.  We never heard from Christopher Persaud at all as he promised.  Their never answered their work and cell phones.  Their cell phone mailboxes were constantly full and we could not leave a message. 

So I started using email.  Persaud responded to my email when I said we never heard from you.  He told us his assitant was just finishing the underwriting on our file.  I asked him where is the online status check.  He told me he set one up but it never worked.  Then he said he would look for technical help, but he never did. 

The next day 5/14/10 I get an email from his assistant stating that the underwriting phase is done and she will send me copies by Monday 5/17/10.  Here went by Friday, the weekend, and Monday.  I recieved nothing!!!!!!!!!!! 

So I start my usual calling...no answer.  I tried again at the office later that evening and somone answered.  He told me they left!  They moved yet another time!  Now we had no way of getting in touch with them. 

So I immediately try all the other numbers, cell phones, nothing!  What to do now.  I go on the BBB to check and see if Persaud wrote to all of us that he was moving and not to be alarmed.  No, nothing there. 

So I wrote an update that he has picked up and moved again and nothing was done with our case.  I knew Persaud was reading this site all the time.  So I wrote to Persaud we are done with all this craziness and we are requesting an immediately full refund since he never did our loan modification and we have proof he has our money!

On the BBB other's starting writing the same thing and new cases started showing up.  You won't believe what this man has done to all of us.  You can read it on the BBB.  This is really bad!!!!  He is telling us what we want to hear so he can buy time and we do not report him to authorities! 

Please do not use this firm for anything!!!!  It is a huge scam and MANY innocent people are losing their houses and money because of him.   

This report was posted on Ripoff Report on 05/23/2010 10:00 AM and is a permanent record located here: http://www.ripoffreport.com/r/The-Law-Office-of-Christopher-Persaud/San-Bernardino-California-92404/The-Law-Office-of-Christopher-Persaud-Legal-Modification-Firm-Attorney-provides-legal-serv-606346. 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.

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#1 Consumer Suggestion

I can Help

AUTHOR: scamscamscam - (United States of America)

Hello , I am so sorry to hear about your unfortunate circumstances  involving a fraudulent debt settlement company.  Most companies that do debt settlements are most likely un-licensed and do not have attorneys that work for them.  I work with the Consumer Protection Advisory board and we are a not for profit company that helps consumers that have been a victim of a debt settlement scam or have been stolen from.  Most of these companies take their fees up front plus a percentage which is usually %25-%50 of your total debt. In most cases these companies dont settle anything until the 3rd and 4th year of being with them in the meantime you liable for lawsuits from your creditors and destroying your credit in the process.  A lot of the time these companies do not advise clients that the difference between what you settle for and what is owed will be taxed back to you by the IRS the following calendar year treated as gained income.  If you or anybody you may know seems to be a victim  of one of these fraudulent debt settlement companies give me a call and I will get you all the information you need to get 100% of all fees paid to the debt settlement company and eliminate your debt using Federal and State Consumer protection Statutes.


Justin Allen


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#2 UPDATE Employee

This process requires a lot of patience.

AUTHOR: Kevin - (U.S.A.)

   For the record this is a reply to all who have used, is in the process of using, is looking into using and or are looking for someone else. This option of a solution to your problem of being relieved of all the stress from your 1st and or second mortgage that the economy has put on literally millions of individuals and families in this economic cycle.
  First off, just to get a hold of a live person at a bank or financial institution takes what seems either impossible or very demanding of patience. The company in question here I have had 15 personal clients, literally friends and relatives that used the services with GREAT Success but I did get calls BACK to me on a few that did not understand how long the banks are taking to get these mortgage modifications done.
  When my sister got hers going, I charged her $2500 as that is what the cost IS. It is NOT Cheaper for anyone and the $2500 is the minimum charge, although based on the situations being different, I had to charge some clients up to $4500 which was another successful Mod and the mo. payment went from $4500 down to an immediate $2100, AS Soon as it WAS Done/accomplished/finalized/approved= Whatever you want to call it.

  It all depends on the lender and you getting information and paperwork back. It takes a year sometimes, I HOPE you people are now aware that this is a time consuming operation and I am NOT SURPRISED that there is only 1 complaint on this board because this is a great Lawyer to work with. The Debt settlement he does is great too.
  This company does 2-300 modifications a week and probably more in the near future since the foreclosure rate went up 10% in the month of JULY, 2010 alone in this great nation. This case above is NOT the norm, or you would see Many, Many more complaints filed HERE. Thanks for hearing me out and I wish all my future and past clients the best but if you look up ANY Mod co. of any substance and you will see complaints.

ALL My clients have been helped by me and I feel good about it a lot!!
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#3 Author of original report

Misunderstanding circumstances due to lack of information!

AUTHOR: Maria - (United States of America)

Since my last post, Mr. Persaud has contacted us.  He has explained the situation that was happening in one of his offices, which he was not aware of.  He has fired them all and started a criminal investigation.  He wanted to disassociate himself from all that, so he decided to move to another office.  However, he did not let us know that he was doing this.  He just picked up and left and we could no longer get in touch with anyone.  He has apologized for picking up and moving without letting us know.  He understood how upsetting and frustrating it has been for us.  He and his assistant are quickly organizing everything to rectify and start taking care of all their clients.  They both have been in contact with us and started working on our file. We look forward to resolving and closing this matter.  I will let you know our final result. Thanks!

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