This is a fraud scam that has been turned into the Attorney General's office. (County of Ventura, CA) Complaint: 2012036987. I have been advised by 3 legal offices & the police dept. this is a scam & to notify the Attorney General's office & the Social Security Dept., which I have done.
William Patterson and Will in Las Vegas (USFP, LLC) tell people who are looking for relief in their high mortgage payments or those that are in foreclosure that they can sue their lender for RESPA law violations and they give a 100% written guarantee that this can be done. They collect a cashier's check in the amount of $6,495.00 in order for them to start an audit with your lender. They claim they are backed up by a big attorney firm, but cannot reveal what legal firm it is. After collecting the $ (In our particular case they collected 2 cashier's checks for $6,495.00) totaling $12,990.00. This is their claim: They will sue the lender. They can't lose because your lender has broken RESPA law violations. After they "say" you have gone through 3 court mediations, and win each one (they claim), then they start the paperwork. The entire process takes 1.5 years they claim. They say that the RESPA violations are fined and bottom line your lender gives you the house through a quiet title. At the end after you get your quiet title, then USFP, LLC puts a lean on 40% of the market value of the house. The problem is it is all lies. They take your money, string you along for months making you believe & telling you that you will get title to your house. Some people just lose their house before they realized it's a scam. I know of 4 other victims, names and phone #'s.
We are a little different because we are current in our payments. We went along with this until they told us that there had been a change and now what they had to do was hide our house in a 508 trust, wait for 2 years until the lender gave up because they could not touch it in a 508 trust and then pay them a set amount of $ instead of our lender. Then in 2 years they claimed they would take the house out of the 508 trust and it would be our house, but that would cost an additional $10,000. - $20,000. This statement is what made us seek legal advise.
We now know it is a scam. My biggest concern here is to help others not be fooled by these people. I have all their e-mails to us, copies of our cashiers checks etc. There are 2 men that we talked to 1) William Patterson who we first dealt with. He is located in Los Angeles, CA. 2) Is a man named Will (different men) who is located in Las Vegas, Nevada. I believe the one in Las Vegas is the "ring leader" to this scam. I have phone numbers, e-mails, paperwork that they sent us. I want to help others not be fooled and hurt as we were. The Attorney General's office told me due to a backlog they will probably not be able to start investigating for months, but did log it into their data base. They are still doing business and still do not know we are on to them. I am afraid because I don't know the extent of these criminals and I know to confront them will just warn them, but not help us get any of our $ back. To hire an attorney would cost us another $5,000. retainer fee & with little hope of getting our money back we feel like we would just be throwing our money away, but at the same time we are upset and scared. My purpose is to try and help others. I don't know where to turn. My concern is by the time they are investigated they will just drop out of sight and pop up somewhere else under a different name continuing their horrible scam hurting people.