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Report: #1240835

Complaint Review: Discount Legal Services - Moreno Valley California

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  • Reported By: Victim of a Foreclosure Agency — Tobyhanna Pennsylvania USA
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  • Discount Legal Services Moreno Valley, California USA

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In originally dealing with an auditor who successfully sold their services to me by claiming that they had a successful legal team.  They claimed that if my property is securitized (and the audit proved it was) their legal team would fight for me "quiet title" The auditing company (“the auditor”) who referred me to this ‘paralegal’ explained that the legal team's main pillars are to attack on is mortgage origination fraud, securitization fraud and wrongful foreclosure and that the legal team would even take it further and try and get me 3 times my property's value in a law suit. 

The quiet title seemed enticing.  Later I learned that they have no legal team and that the legal people they referred me too were unlicensed and were NOT lawyers despite the fact that I was told this particular person, Kendra Maxwell from CA, a solo unlicensed practitioner, was.  I was lead to purchase a) the audit and b) so called legal services and pay separately although it was basically a package deal I was truly buying.  I went in blind folded as I wanted references but they claimed people are gagged after they win a case.  When I was introduced to Kendra Maxwell, as an attorney, she did not deny that she was not a lawyer.  On one occasion we kept her on the phone as we were searching for my initial and very important cloud link to my files wherein I referred to her as a lawyer and she did not correct me. 

Eventually she came clean when she felt she could not help me - after she reviewed my files (this took weeks and much effort on my part as she was holding me up and ignoring my case).  Her conclusion was that if she was to help me I must file Chapter 13 in order for her to reopen my judgement.  The attorneys I will be hiring if I can afford to based on a refund said "The only way that previous work would be an obstacle for us is if the courts dismissed WITH PREJUDICE".  This means that I really shouldn't be required to file a 13 in order to proceed, although I may have to only because of the delay in discovering their incompetency.  Regardless, Kendra Maxwell had gotten paid prior to anything real evaluation. 

Thus, I was not properly pre-qualified nor understood what I was getting into.  Despite many things going wrong the fact is that she is not even a lawyer; the auditor never told me I would need to represent myself as Pro Se.  He clearly said their legal team would handle everything.  The fact is that I can't use their audit when I got to seek the initial help I thought I was getting from them and their so called 'legal team'.  I found the proper help but a) am without funds because they absorbed all of my funds b) came very close to foreclosure due to neglect on their 'legal team's' delays and neglect and misrepresentation - I had to write my own legal paperwork to get a temporary foreclosure stay which was a miracle from God almighty. c) the prospective new team that I am to hire will not use their audit because they say that not all audits are equal; d)

I showed the document Kendra prepared for me and I was informed that she based it all on FDCPA laws which would i) be dismissed and ii) would not help in attempting to get quiet title which is what the auditor initially told me.  To be exact I quote: "...is based on FDCPA violations so it is a weak suit to see the least.  You are claiming quiet title status with no support or mention of securitization issues".  These people are taking desperate people's EMERGENCY funds and won't budge at taking responsibility or refunding.  The last thing I needed to do was start fighting for a refund.  It was bad enough having taken a chance with them, wasted my time and energy during a financial crisis and eminent foreclosure proceedings. 

The auditor charged me $995 and had their so called legal team charge me separately which was $2400 to Kendra Maxwell's personal account.  Kendra's initial agreement named her company as California Discount Legal Services, Moreno Valley, CA 92553.  Although her document said Pro Se, I then mistook it for Pro bono and only noticed it now and not at the time of signature.  It did not say that she was NOT an attorney, however.  These people get people who are desperate and under pressure.  I am holding Kendra Maxwell responsible for the so called legal fees as the auditor is willing to provide a refund (which is why they are unnamed) on what was paid them.  She has proven to be a major rip-off as she refuses to discuss a refund or apologize for her unwarranted charges. Total damages are $3,395 but her end of the bargain is $2400.

This report was posted on Ripoff Report on 07/09/2015 02:23 PM and is a permanent record located here: https://www.ripoffreport.com/reports/discount-legal-services/moreno-valley-california/discount-legal-services-kendra-maxwell-mortgage-relief-attorney-paralegal-fdcpa-adr-1240835. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
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0Employee/Owner

#9 Author of original report

Black mail? for what? I'm the one who lost $$$$

AUTHOR: - ()

POSTED: Tuesday, March 29, 2016

Often companies with bad reputations have their spouse or friend respond with something positive.  My experience is what it is.  No one who has something good or bad to say would respond to a complaint because it would be bias.  This is bogus.

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#8 Consumer Comment

AA My experience with this firm is exactly the opposite

AUTHOR: Lantaco - (USA)

POSTED: Tuesday, February 16, 2016

My experience with this firm is exactly the opposite.

 

I saw this review and luckily I did not believe it after looking at their web site, their Facebook page and talking to them.

 

My home was saved due to the proof of fraud the audit found.

 

I don't want other home owners to lose their home because of this questionable review so I put a video together.  Please watch it on youtube:

 

https://youtu.be/XoDIVIBdT2g

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#7 Author of original report

Turning the tables - quit wasting my time

AUTHOR: - ()

POSTED: Monday, February 08, 2016
I'm the one that lost money here and you are calling me a fraud? Secondly you are tapping into my bankruptcy paperwork from about a year ago because you were looking to retaliate. There is no other reason why you would get out of your way to try to dig some dirt. ​​

Cease and de​sist​.  The Fact is that I did nothing wrong in that filing or else I would have gotten in trouble. Chapter 13 never wavers a court feat. Regardless whether I put an X in the wrong box or not you have no right to try to accuse me of being a fraud. My filing and what you did to me and the fact that you have my money which you refuse to refund has no bearing on one another and what I file and where file is none of your business.  It is a big shame that you have the audacity to come out and reverse the cards and try to accuse me when you are the one that's going to hell on a sliding pole. Tell you what: why don't you agree with me on the following: may God strike dead the person who is really a fraud in this argument between you and I. That's all I have to say. I dare you.  I HAVE NO FURTHER TIME FOR SUCH FOOLISHNESS!!!  I will no longer respond to such foolishesness but I do have a strong case against you.  You are lucky Iḿ busy handling other affairs for now but dont push it.

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#6 Consumer Comment

Beware of Fraud and Felony

AUTHOR: Susan - (USA)

POSTED: Monday, February 08, 2016

When reviewing this report it was obvious to me that this person is trying to Black Mail California Discount Legal Services.  She committed Fraud and it looks like she also committed a Felony.   No wonder  California Discount Legal Services could not help her.

 

Luckily I went to:  facebook.com/HolmesandGaltLLC/  and read about all of the home owners that have been successfully helped. 

 

I went ahead with an audit and then legal support and my home was saved.  Thank God I only took this report for what it is: “ Black Mail”

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#5 Author of original report

Retaliation - why do people retaliate?

AUTHOR: - ()

POSTED: Monday, August 31, 2015

When I first hired Earl I did it because he sounded like a dad and I trusted him.  I am saddened, hurt and victimized over and over again by you.  Earl, I'm gonna seriously start praying for you.  Why are you using a diversion tactic as a defense?  You are convincing the public that you have inner demons, not that I'm a fraud.  You are convincing people not to want to do business with you because you are showing what you are capable of doing and that you have no confidentiality with your clients.  Tenants/roommates - what's the difference?  I put the same income which included that particular income.  I'm not a BK lawyer and you know that yet you are doing your best to either scare me or try to create legal issues for me to further complicate my life - only because I am speaking the truth.  I feel so very sorry for you.  Take a piece of advice from someone who thought highly of you - people read in between the lines, no matter what you say.  They look at your motives behind what you say and do.  In your advanced years, this behavior pattern that you are demonstrating doesn't seem to amaze me.  Here's something I want to share regarding regaliation: Indeed, many acts of retaliation are defined and treated as criminal. For example, some homicides, rip-offs, burglaries, and property damage are vigilante actions, meaning criminal retaliation. 

 

 

Psychological conceptualizations of retaliation define it as a means of exacting vengeance. Examples of a psychological version of retaliation may be found in Buss 1961, which views retaliation as a possible outcome of anger.  Felson 1993, a chapter on dispute-related violence, is perhaps the best-known psychological typology of predation and retaliation. 

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#4 Author of original report

See my BBB rebutals

AUTHOR: - ()

POSTED: Monday, August 31, 2015

Earl Marvin & Kendra insist on continuing to victimize me over and over.  Now he is titling his rebuttal:  "Carino committed Fraud and continues to commit fraud".  They are sick.  Just look at the obvious - I'm out almost $4,000 an loosing my home because the funds I saved up for my defense is tied up -- and I'm the one committing fraud?  WOW.  Reverse phsychology at it's best.  My bankruptcy is from over 1.5 yrs ago.  He is trying to claim that I had tenants back then and is retaliating because I am exposing him and fighting to get my money back so I an use a real firm who has real attorneys.  I am without any funds to hire an attorney now.  He was to HELP me and now is trying to use our communifation which is out of content against me.  This man is so sick that I no longer want to entertain his rebuttals. He has the nerve to even try to report me on something that doesn't even exist.  Once they see through him, hopefully he won't only be shut down but committed to an institution.  He uses the cute words - that I 'fabridate' my story.  Really?  Why is he on such a defensive mode if that's what I'm doing?  Retaliation to that degree may yeild him bad results.  To think that communication we had 'in confidence' would be tried to used against you.  This man is scary.  Don't trust these people or communicate with yhem because if he's vicimizing me like this, he is not to be trusted.  I will not be rebutting with this issue again only because I am truly under stress trying to figure out how to save my home without even having funds.  His so called text which he claims is a quote, which I'm sure it is, is certainly out of context.  See our other rebuttals here:

BBB in regards to complaint #10700350

http://odrcomplaint.bbb.org/ODRWeb/Home/SecureLogin.aspx?SecureLinkGuid=cb315cf0-e023-4fe2-a63f-a953bf611d2d

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#3 UPDATE Employee

Carino committed Fraud and continues to commit fraud

AUTHOR: California Discount Legal - (USA)

POSTED: Monday, August 31, 2015

Email from Ms. Carino on 6/15/2015, proving she has a tenant and rental income.

 

I'm sure that you are working on my account and am grateful for it.
 
However, I'm trying to see if I can apply for a stay on my own because my tenant is going to move out otherwise.
 
I need you to update me as to your steps, possibilities, etc. whenever possible.
 
 
Thanks.
 
Felice
 
 
Clearly, Ms. Carino admitted having a  tenant in the property and on her July 20, 2015 bankruptcy filing she did not list the rental income but instead listed that she is receiving $2200.00 from a Roomate. At this time our attorney Mr. Grossman is bringing this to the attention of the United States Trustee in charge of Ms. Carino's bankrutpcy filing. Ms. Carino has a pattern of fraud and deception. 
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#2 UPDATE Employee

Ms. Carino Committed Fraud

AUTHOR: California Discount Legal - (USA)

POSTED: Monday, August 31, 2015

What Ms. Carino states in the RipOff Report is both fabricated and misleading. Ms. Carino was aware that Ms. Maxwell was not an attorney per the agreement that she signed. In paragraph Six Lines 3 thru 4 Ms. Carino states, "Although her document said Pro Se, I then mistook it for Pro Bono..." If in fact Ms. Carino mistook Pro Se for Pro Bono, why didn't she question the required fees. Clearly, Pro Bono means that someone is doing something at no charge. Upon speaking with Ms. Carino during the initial conversation it was explained that California Discount Legal does not have attorneys and that we are Paralegal's and can only assist with the preparation of legal documents.

The agreement bwtween Ms. Carino and California Discount Legal clearly states:

Ms. Maxwell will support the Client to obtain the best possible settlement or other result in an effort to save Client’s home.  However, Ms. Maxwell is not an attorney, is not engaged in the practice of law, and does not provide legal advice.  If Client desires representation by an attorney, it is the Client’s responsibility to locate and retain such counsel and is willing to work with “outside paralegal” services provided by Ms. Maxwell.  All such attorney fees are separate and independent of this Agreement.  Ms. Maxwell will work with Client (and, when applicable, Client’s attorney) to prepare documents to be filed in court for the purpose of defending a judicial foreclosure action or initiating a civil wrongful foreclosure lawsuit, or both if necessary.  The scope of such work will be limited to: (a) researching rules, cases & laws as needed; (b) preparing briefs as required; and (c) discussing the Client’s case(s).

 

When the documents were prepared Ms. Carino denied having a pending law suit against her.  This turned out to be incorrect and greatly impacted what she needed to file. Ms. Carino stated that she did not have any pending litigation and went on to say that she did not know what a lawsuit was. Upon further investigation we found that not only did Ms. Carino have a pending lawsuit but that she hired an attorney to assist her with the lawsuit which resulted in a foreclosure judgment entered against her. Ms. Carino attempted deception changed the circumstances on how we could assist her. Had she been honest and upfront it would have changed the circumstances of the agreement between Ms. Carino and California Discount legal. Ms. Carino has demonstrated a pattern of not presenting all information when asked, for example she filed Bankruptcy in 2013, Case Number 5-13-06578, which she failed to disclose. Through our investigation of her situation, we discovered Ms. Carino failed to list her rental income from the property in question and by omitting the income she was able to obtain a fee waiver and bankruptcy discharge. This could be deemed a felony if the federal bankruptcy court ever learns of this omission. Once Ms. Carino was made aware that we discovered this omission and we expressed our concern, she then decided to request a refund and stated that we work for her, and should only be interested in working on her behalf. We explained to Ms. Carino that by ommitting the income to the United States Court and United States Trustee she could go to jail and that is what really set Ms. Carino off and she made it clear that we were not to disclose this information and that we work for her. 

The case number for Ms. Carino's Foreclosure Case is No. 2459-CV-12, it is public record and is filed with the Court of Common Pleas Civil Division Monroe County.

The Bankruptcy is also public record and the case number is: 5-13-06578

 

It turns out that Ms. Carino has since filed the Chapter 13 bankruptcy on July 20, 2015 and that she again ommitted that rental income on her filing. This clearly shows a pattern of fraud and deception not just against California Discount Legal but also against the Court. 

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#1 Author of original report

Clearer report HERE

AUTHOR: - ()

POSTED: Friday, July 10, 2015

I intentionallly left out the Auditor's name on my earlier report because I thought that perhaps his offer to settle for $1000 was only to remove his name from the BBB on any further exposure of his wrong doing for his company.  Therefore, I was was considering releiving him from further exposure. However, he made it clear that they were working against me as a team.  So, here goes the entire report which includes threats & blackmail on their part.  All I want is my refund.  They didn't do what I HE promised, I am in dire straights loosing my property which I managed to get a stay all on my own but is soon to expire and HERE I am finding myself fighting for my refund.  I am distracted by these people rather than focusing on my HOUSE which I am loosing.

Reported on BBB:

Earl Marvin from Holmes and Galt, LLC successfully sold their services to me by claiming that they had a successful legal team.  They claimed that if my property is securitized (and the audit proved it was) their legal team would fight for me "quiet title" Earl Marvin explained that the legal team's main pillars are to attack on is mortgage origination fraud, securitization fraud and wrongful foreclosure and that the legal team would even take it further and try and get me 3 times my property's value in a law suit.  The quiet title seemed enticing.  Later I learned that they have no legal team and that the legal people they referred me too were unlicensed and were NOT lawyers despite the fact that I was told this particular person, Kendra Maxwell from CA, a solo unlicensed practitioner, was.  I was lead to purchase a) the audit and b) so called legal services and pay separately although it was basically a package deal I was truly buying.  I went in blind folded as I wanted references but they claimed people are gagged after they win a case. 

When I was introduced to Kendra Maxwell, as an attorney, she did not deny that she was not a lawyer.  On one occasion we kept her on the phone as we were searching for my initial and very important cloud link to my files wherein I referred to her as a lawyer and she did not correct me.  Eventually she came clean when she felt she could not help me - after she reviewed my files (this took weeks and much effort on my part as she was holding me up and ignoring my case).  Her conclusion was that if she was to help me I must file Chapter 13 in order for her to reopen my judgment.  The attorneys I will be hiring if I can afford to based on a refund said "The only way that previous work would be an obstacle for us is if the courts dismissed WITH PREJUDICE".  This means that I really shouldn't be required to file a 13 in order to proceed, although I may have to only because of the delay in discovering their incompetency. 

Regardless, Kendra Maxwell had gotten paid prior to anything real evaluation.  Thus, I was not properly pre-qualified nor understood what I was getting into.  Despite many things going wrong the fact is that she is not even a lawyer and Earl Marvin from Holmes and Galt, LLC never told me I would need to represent myself as Pro Se.  He clearly  Marvin said their legal team would handle everything.  The fact is that I can't use their audit when I got to seek the initial help I thought I was getting from them and their so called 'legal team'.  I found the proper help but a) am without funds because they absorbed all of my funds b) came very close to foreclosure due to neglect on their 'legal team's' delays and neglect and misrepresentation - I had to write my own legal paperwork to get a temporary foreclosure stay which was a miracle from God almighty. c) the prospective new team that I am to hire will not use their audit because they say that not all audits are equal; d) I showed the document Kendra prepared for me and I was informed that she based it all on FDCPA laws which would i) be dismissed and ii) would not help in attempting to get quiet title which is what Holmes initially told me.  To be exact I quote: "...is based on FDCPA violations so it is a weak suit to see the least.  You are claiming quiet title status with no support or mention of securitization issues". 

These people are taking desperate people's EMERGENCY funds and won't budge at taking responsibility or refunding.  The last thing I needed to do was start fighting for a refund.  It was bad enough having taken a chance with them, wasted my time and energy during a financial crisis and eminent foreclosure proceedings.  Holmes and Galt, LLC charged me $995 and had their so called legal team charge me separately which was $2400 to Kendra Maxwell's personal account.  Kendra's initial agreement named her company as California Discount Legal Services, Moreno Valley, CA 92553.  Although her document said Pro Se, I then mistook it for Pro bono and only noticed it now and not at the time of signature.  It did not say that she was NOT an attorney, however.  These people get people who are desperate and under pressure.  I am holding Holmes and Galt, LLC responsible for the so called legal fees as they sold me a package deal by tying me up to someone who is not even an attorney.  Total damages are $3,395.

Earl's response after receipt of report from the BBB on July 9, 2015.  I returned his call as instructed to his 'other' number: 800 372-0294 line which ‘RECORDS’ the conversation (they are trying to use anything against me) at 4:08:18pm for which lasted 9:55 minutes as he read a document with an offer: 

  1. Offered $1k to remove BBB report

  2. Threatened to sue me as they claim to have an impeccable reputation –

  3. Claimed that during my 2011 BK I did not list my property as rental but the fact it that it was not a false statement.  See item #7 below.

    1. Although they failed to do their job in prequalifying me by viewing my ‘cloud file folders’ which I provided them immediately upon payment.  I was not allowed to send any prequalification info until after the payment (a sign of a scam).

  4. Even after payment for the audit the files were not reviewed.  Once audit was completed, STILL the files were not reviewed.  Once ready to hire the ‘legal team’ still the links were not allowed to be viewed.  After payment, still they were not viewed.  One week after payment and upon my follow up – still they were not viewed.  After spending about a half hour (while at a store) on a conference call with Earl and Kendra, who I thought was my attorney – still they couldn’t locate it.  I had to rush home, locate and resend and include Kendra in it.  A day goes by and she’s still confused as to if I had a law suit.  Three days go by and then I got her ‘text’ indicating there was a problem because I had a lawsuit.  I explained I needed her from the get go to REVIEW my files as I had another attorney and was not clear on what he was doing.  All this time passed and now I had two weeks pending for my foreclosure.

  5. As you can see, much slack came about the review of my files.

  6. However, now that I’m asking for a refund, Kendra manages to do research to find ways to retaliate.  She pulls out my bankruptcy from years ago and uses it as blackmail indicating that she found a felony that I committed.  She thought that it was but soon learned there wasn’t and she couldn’t not prove any of her lies.  Why was she so energetic to pull information on me (by using my personal information which she had collected) yet when I had hired her she was altogether too complaisant to review my files. 

  7. Oddly enough, I also received a call from IRS.  Did she set me up on this too?  Why would the IRS be suddenly calling me?  If she pulled information on my BK from years ago, is she reporting me to the IRS too?  This woman engages in retaliation.

  8. They probably expected me to cave in to their threat, and are seeking to retaliate for something I need to do – GET A REFUND.  Here is a breakdown of what went on during the phone call with Earl (he had to open up a document and read it – I highly suspect Kendra devised it):
    1. assuming I rented out my property.  I call it BLACKMAIL.

    2. Claim that I denied having had a lawsuit

  9. Claim that I fabricated the entire thing and am misleading regarding a company with great reputation.
    1. I want to cheat them out of a payment (no other attorney would use their audit so I must buy another one.  Their audit production work became useless when their ‘legal team failed me’.)

  10. Claim they had NO IDEA that I had a lawsuit and that I had ‘denied’ it. – sent them link so they could decipher for themselves.

  11. Claimed I was given a choice to choose an attorney over the paralegal they gave me (of which document did indicate ‘Pro Se’ but I explained that in the BBB).
    1. Claim they assist in attaining paralegals and attorneys.  I only got one referral and it was a conference call.  Where were the options list of attorneys and paralegals?  I certainly never heard about any paralegals. 

    2. Kendra is the only person on the ‘LEGAL TEAM’ they claim they have, which is shown on their signature line.

  12. Earl claims that my complaint is about the quality of his audit.  This is inaccurate and is merely using this as a tactic to accusing me of trying to tarnish an impeccable reputation and uses this to threaten to sue me.  I never protested about that, just the ‘sales tactics completed with the so called legal services.  Regardless, I do and will not apologize for reporting to the BBB a viable complaint, which is the ‘package deal’ they sold me.  Kendra Maxwell was conferenced in to a call as an introduction as an attorney.   Earl fully sold both sides of the package although Kendra accepted her share of the funds separately and refuses to part with the funds I used to pay.

 

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