..... I am the managing attorney at Randall Law Group. Thank you for taking the time to review the services we provide and our philosophy. Randall Law Group is a full-service law firm dedicated to helping consumers struggling with debt. Our goal is to provide consumers high quality legal representation at a reasonable fixed price. If you are behind or struggling to make you mortgage payment, have a high rate mortgage, have bill collectors calling you at home and work, or your wages are being garnished, Randall Law Group has the experience and knowledge to assist you in getting your financial house in order.
Randall Law Group has helped thousands of homeowners and consumers reduce their mortgage payments to fit their family's budget, or completely refinance their mortgage as well as stopping the collection calls, and wage garnishments. Our team of attorneys and underwriters has helped consumers achieve a fresh start whether through a modification of their existing mortgage, a refinance, debt settlement or a fresh start through bankruptcy. Our experience and knowledge can put you and your family on a path to a sound financial future.
Remember, your family’s financial security is a serious matter. So, don't put your family's financial security in the hands of amateurs. What sets us apart is our experience and commitment to each client. Our attorneys have represented clients ranging from family run businesses and individuals to Fortune 500 companies. Our attorneys take pride in providing the same high quality legal services to each client regardless of size. Randall Law Group also has some of the most experienced, underwriters, negotiators, and processors in the industry. Each member of our team has extensive experience in the mortgage restructuring, and debt settlement and consolidation.
However, we do not accept just anyone as a client. Randall Law Group is selective on its clientele. At Randall Law Group, each client's file is put through a thorough screening process prior to us accepting any client. We analyze each client's financial, personal and property information to maximize the client's potential for success. So give us a call and find out if you qualify. There is no charge. It is as simple as picking up the phone.
Again, .. Mr Randall reiterated to Ripoff Report that his personal philosophy is to provide high quality legal services at a reasonable price. “I have represented clients ranging from Fortune 500 companies to individual clients facing financial difficulties. He believes that each client regardless of size is entitled to the same high quality legal services. As a successful businessman, Mr. Randall feels it is critical to listen to his clients and respond properly and works to ensure complete client satisfaction. By always putting his clients first, Mr. Randall has placed Randall Law Group as one of the leading firms in the country focusing on consumer debt.”
Another attorney for Randall Law Group told Ripoff Report that Mr. Randall’ personal philosophy is based on the premise that "strives to add value in its services as they understand that a successful business model is based on value-added services, and client care”. Randall Law Group’s mission statement says it all: Randall Law Group philosophy is to provide high quality legal services at a reasonable price. Each client regardless of size is entitled to the same high quality legal services Some of the other things Rip-off Report learned in the course of its investigation: typical customer feedback reads: Randall Law Group assisted me in getting my financial house in order and reducing my mortgage payment by hundreds of dollars a month. We are very pleased with the responsiveness that he and his employees showed us. They are serious about meeting commitments, and deliver on all their promises to assist us in relieving our debt.
Randall Law Group’s team have expressed that they feel very confident doing their job. They recognize that which Randall Law Group apart is its experience and commitment to each client. Randall Law Group has some of the most experienced attorney, underwriters, negotiators, and processors in the field of consumer debt. Each member of our team has extensive experience in the mortgage restructuring, and debt settlement and consolidation. 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.. The information provided in this report below is based on comments made by Brent Philips and Robert Newton in an interview held by a third party visit, by an on-site verification company with no biases toward Philips Law Group.
The offices of Randall Law Group are located in Costa Mesa, CA in a multi-tenant property. There is no marquee on the property, and no company signs were present on the door or in the building. The main office is a call Group with cubicles, and five private offices are occupied by Brent Randall (Attorney at Law), Robert Newton (Resolution Manager) and several generic managers. The marketing consultant, Anthony Terah, does not have an office on-site. Two separate interviews were conducted with company representatives: The first was with Robert Newton and Anthony Terah, and was followed by a second interview with Brent Randall.
Per Brent Randall, (the purported namesake of the company) his office relocated from Newport Beach, CA in October of 2012. Randall Law Group (or PLC) has no relation to Randall Professional Law Corporation, which is a California corporation with separate offices. Although Farmer’s Law Group and Forest Law are both names that complainants have attributed to Brent’s business, he states that the name “Farmer’s Law Group” was a domain name created by a former employee that they never used (he thought the name was cheesy), and confirmed that they have never had any association with a Forest Law group.
According to Brent Randall, his business is an Arizona corporation that does general litigation and foreclosure prevention, although there is no restructuring available in California because it is against the law to take advanced fees for Mortgage Restructuring in that state. This is a federal law, and is referred to as the Mars rule. There is an exception if you are a licensed attorney in the state and the fees have to be deposited in an attorney/client trust fund in uniformity with that states rule of responsibility. Brent is licensed in CA, AZ, and MD and has attorneys working for him in other states that work on the specific mortgage restructuring.
According to Anthony Terah, leads are obtained by purchasing data and information from credit bureaus such as Experian and Equifax, and then a “legal ad” is sent to the potential client via regular mail. Per both Brent and Anthony, when a potential client calls in, “The needs of the client are evaluated, as there are many factors to determine, like when the home is purchased, the debt to income ratio, loan to value of the home and any personal hardships.” Mr. Randall reviews the files before a client is taken on. If the client agrees to work with them, funds are deposited into a trust account in uniformity with the state rules.
Mr. Randall and Mr. Terah had consistent responses when they were asked about the typical experience a client receives with their company. Mr. Randall made it clear that “No experience is typical. A lot of it’s just financial, and it’s a lot like doing your taxes or bankruptcy, it’s not greater legal theory. We hone the financials, draft the appropriate hardship letters. Those are sent out (to the potential clients); they call in and speak with an intake agent. Intake agents are directed to qualify the client, not waste time. You can figure it out in ten minutes, by asking key questions. Then someone senior reviews it and it if is something that meets the criteria set out, or if there are questions, they call me right away. If the file meets criteria, we’ll have them sign a retainer, I’ll review it, and once I approve it the processing begins. The client sends in documents, and if they do not send in the complete documents, more time goes by. Also, Lenders are not as diligent about the restructuring in the loss mitigation room as they are in making new loans. In loss mitigation, they are losing money; on the other end, they’re making money. Restructuring is not their top priority.” This can often cause delays in the restructuring process.
In regard to complaint resolution, Mr. Phillip’s gave the following example to illustrate how he deals with complaints: “One gentleman we accepted looked good initially. We started drilling into it, uncovered some factors that didn’t look so good. We called him, and told him the issues we saw, asked if he would like us to proceed even though it is a bit of a difficult file. If you want us to proceed, we’d be more than happy to submit your file, or it’s ok – if you would like us to cancel we will send your money back. He chose to have his money sent back. Plenty of other clients with a similar scenario want to proceed.” When asked how the client reacted, Brent responded: “Clients who are dealing with financial hardship are only as happy as they allow themselves to be. There are less than one percent who are not happy with their outcome.” Brent feels that he creates more friends and positive outcomes than the few that insist on being dissatisfied no matter what service is given.
“As long as you disclose the problems in the file, it’s up to the client to make the decision. Many times they don’t have other options, they are in a bad loan, and they are upside down. For instance, they are not a Freddie Mac or Fannie Mae loan where they have a Harp loan that allows for negative equity. There is a protocol, homes affordable refinance program, which allows people with negative equity up to any amount to refinance. No other lender has that program. You go anywhere else, you generally need 20% equity. There has been a precipitous drop in home values.” Brent said he will sometimes charge the client half for services, and tell the client that if they are successful, he will charge the other half. The retainer that the client signs at the beginning of the process states what they will be doing, and they acknowledge that they have no guarantees. In the last six months, they have started recording interviews. People hear what they want to hear, and we now have a recorded interview where they were told and acknowledge that there are no guarantees.”
Anthony Terah’s approach to explaining complaint resolution was more specific about the process. He said that all accounts are updated every fourteen days in a system that the clients can see, and that all calls are returned within 24-48 hours. Because each processor handles around 155 files a piece, they do their best to accommodate the clients; however, they have assigned one person to specifically monitor all communications for all files to make sure calls are returned. If a complaint cannot be resolved by the processing staff, resolution manager Robert Newton speaks to them. In some cases, Newton will refer cases on to Mr. Randall to deal with personally. “We always settle in a way that is amicable,” says Newton.” If a client is not happy, they are referred to speak with the attorney assigned to their state.
Brent explains that there are a number of factors that will affect results: besides the loan companies, clients are not always compliant. “We get great results. I’ve probably had 5,000 clients over the years, but you’re going to have the 1%. I understand. People, when they don’t achieve the results they desire, they complain. And the unfortunate part is, people you get results for, they never write anything. I’m not saying every file we have worked on has been perfect, no business can say that. But we send them their money back. We’ve given refunds because people complain or there are cancellations. So we try to do our best, to get what I think is fair. Simply because they didn’t get a good result, we still give them something back so they don’t leave on a bad note.”
Brent and his representatives, in separate interviews, were asked about their responses to the specific complaints on Ripoff Report by former clients who claimed they were forced into foreclosure because of bad advice, or they were charged for services they did not receive. Mr. Randall was very adamant in his response: “No one is forced into foreclosure! No one told them not to make their payments.”
Mr. Randall explained that with Fannie Mae or Freddie Mac loans, the process is straightforward, but if someone has a “Harper” loan, (which he describes as the high-interest loans that caused the mortgage bubble to break) they have negative equity. For instance, Mr. Randall worked with a 74-year old widow who was given a negative amortization loan. It took 54% of her income to make her mortgage payment, which never went to her principal but only paid interest. She had the option to use her life savings to work with the original company, who had her loan, but her life savings would be depleted and the company would still foreclose, which, Brent alludes, has happened frequently when people work with these companies on their own.
He helps people resubmit, and informs the customers about what is going to happen. Brent continued, “If they’re going to foreclose, (as the widow) I’d rather keep my $50,000 in savings. At that point, we re-submitted it (when she was in hardship) and got it approved. When we first submitted it, because she was not behind, the lender Indy Mac likes to play this little game. Since you’re not behind, we’re not going to do it (the restructure).”
However, some customers take that warning about their original loan companies and voluntarily decide to stop making their payments. Brent says he never tells people to stop making their payments. He lets them know that lenders are more inclined to do something if they are behind, and that they need to sit down with their family and decide what they need to do, because the lender can foreclose, and it takes up to a year in Maryland, for instance, for a foreclosure to go through and he encourages clients to do what they think is best in regard to saving money in payments so they can get another house after the eventual foreclosure.
According to Anthony, many of them are also applying for restructuring on their own with their company, apart from hiring Randall Law Group, and they withdraw their request for help when they are successful on their own and expect not to have to pay anything for services. Brent says, “A misunderstanding occurs when people say, ‘I hired you to do my mortgage restructure’, but my reply is, ‘No; you hired me to perform services;’ there are no guarantees to the outcome.”
Brent made it clear that their service is to give the legal advice and help for applying for loan restructuring; however, the lenders can say no, and depending on the type of loan they have, the likelihood of success obviously affects the outcome, as well as the level of customer cooperation. In a separate interview, Anthony Terah said “You cannot promise or guarantee your lender will approve the modification application. As required by state law, they are directed to make their payments while the modification is in progress. What’s online is not accurate. It is also easy to track Brent through the state bar, where his cell phone number is on file.” Terah reiterated that clients sign an extensive retainer agreement, and calls with the customers are recorded to verify their compliance with the terms because so many erroneous complaints have come through. Terah says that Mr. Randall does quite a bit of Pro-bono work for elderly clients, but this is never noted on the Ripoff Reports. ANY BUSINESS THAT CAN ADMIT THEY MADE MISTAKES AND CORRECTS THOSE MISTAKES IS A BUSINESS YOU CAN TRUST AND WORTH DOING BUSINESS WITH .
To deal with their level of service, improvements have been made in the process to make clients feel more comfortable and informed; Randall Law Group has hired more customer service representatives, and has mandated that every possible attempt to contact the client during developments is made. Terah stated that “All complaints are handled with a refund, even the unfounded ones. Some clients submit their own file while in process with us, and then withdraw their request, and they are refunded.”
Mr. Randall, in his effort to “do whatever it takes” to satisfy his customers and deal with complaints, had this to say: “If the file is not handled properly a refund is made. I’ve started bringing in more customer service people and keeping customers more apprised, getting back with clients in a timely fashion.”
Mr. Randall’ response on being part of the Corporate Advocacy Business Remediation and Customer Satisfaction Program for Ripoff report was, simply, “We adhere to a higher ethical and business standard. We also take a personal interest in each client.” Also, he said that what sets their business apart is that they have experienced staff and follow the law. “We have licensed attorneys in every state; Maryland, Arizona, Florida, Georgia, North Carolina, Texas, and Pennsylvania. Most other businesses (of their type) do not have hands-on attorneys. STATED IMPROVEMENTS FROM RANDALL LAW GROUP.
Randall Law Group employee feedback and surveys reveal comments such as this: "Randall Law Group provides a very positive environment to work. Opportunities for suggestions and improvements are encouraged. Brent is truly concerned about our contribution to the company and providing growth opportunities for us. He takes the time to listen and communicate with employees and customers." Ripoff Report was pleased to learn that Randall Law Group’s past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.
Randall Law Group 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. With the feedback generated by Ripoff Report’s Investigation Randall Law Group has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.
In summary, after our investigation, which included discussions with Mr. Randall and many of his past and current associates, Ripoff Report is convinced that Randall Law Group 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 Rip-off 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 Rip-off 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
Randall Law Group Ripped off $3995! Did not provide services of any kind. Still waiting for mortgage reconstruction! Newport Beach California
Responded to mail invitation to modify mortgage. Called the toll free number & spoke with a soft spoken, slow speaking guy who said his name was Leo Leonardo. He presented himself as an attorney located in the San Francisco Bay Area. He took information regarding out property, mortgages, etc. told us he would call the following day to let us know if we qualified for one of their programs that assist homeowners who are struggling with their mortgages or are underwater. The following day, he called to tell us that we did qualify for a program. We went over the information needed to complete the documents necessary to get the ball rolling. Then, I was told I had to send a fee of $3995 to be placed in an escrow account, to be disbursed at completion of the process of our mortgage restructuring. After all this was done, I was contacted by a woman presenting herself as a credit counseling representative. She made a concerted effort to enlist us in a program that supposedly pays off all credit debt for a fraction of what is owed. We declined, despite 2 days of her trying to convince us it was in our best interest to sign on. The fee for service was $15,000! Much more than the fee to modify the mortgage. I should have had a clue then.
We began this process at the end of 2012. For the next few months, I was constantly faxing copies of pay statements, bank statements, utility bills, etc. At this point, I was corresponding with folks from the "corporate offices" in the Los Angeles area. I was contacted by two people introducing themselves as "Junior Negotiators". One of them gave us the name of our "Senior Negotiator" who would handle our case. Shortly thereafter, I was assigned a different "Senior Negotiator". I received an email telling me to fax bank statements, pay statements, utility bills, a list of creditors, a household budget, asset/debt balance sheet, etc. within 72 hours for three months in a row. I complied. I received statements from our mortgage companies that they had been contacted by a company to act as our representative in a mortgage modification request. We told our mortgage companies that we had given Randall Legal Group the authority to represent our interest.
The company holding our second mortgage went bankrupt & we received a letter from the new mortgage company telling us who they were & where to send future payments. I faxed a copy to Randall Law Group along with the documents they requested in March. I never heard anything from them regarding the change in mortgage servicers. I received notification from our first mortgager that they did not receive the necessary documentation from Randall & were therefore denying the request for modification of our mortgage. I forwarded copies of the letter to Randall. Got an email from our "Junior Negotiator" that a copy would be sent to the "Senior Negotiator", who was out sick that day. I heard nothing from anyone at Randall for weeks, so I sent emails & left phone messages. Finally got an email from that same "Junior Negotiator", stating that our first mortgagor never requested any documents from Randall to use in determining whether our mortgage should be modified. She told me to send bank statements, pay statements, utility bills etc., for April & May. I complied.
We have not heard from anyone at Randall nor have we been able to reach anyone at Randall. Tha fax number no longer receives faxes. No one has responded to emails & no one answers the phones. Voicemail box is full. I feel like a complete idiot! I should have checked here first. Now I will have to file a complaint with our State Attorney. I even got my niece & her husband to do the same thing we did. That means two cases for our State Attorney.