Florida Asset Preservation Group, LLC. Leonard Smith Told me that he could negotiate with my lender to get a loan modification and charged me $1250 St. Petersburg, Florida

This matter is now in Superior Court. Leonard does not know what he's talking about. He had me sign papers in October 2011 to give me a refund, but never delivered. The mortgage company already tried to do a foreclosure on 11/01/2011 and again on 12/01/2011, but my real Attorney, Ronald Freshman is handling the case, and got a restraining order from the Court, not Asset Preservation or Leonard Smith. Just give me my refund, because you are not and have not given any services. If you give me a refund, like your contract stated, then I will post that you have honored your contract. Stop writing false statements on this site, this only makes you look worse than you are.

6/4/11 Jeaney lender loss mitig says they receivved Jeanine's package on 5/17 but still need 2 months bank statements, disability award letter, SIGNED & DATED 1 yr tax return, IRS 4506, HARDSHIP AFFIDAVIT, DODD FRANK CERTIFICATE, returned to them ASAP.  Jeanine paid $1800 per mo from Dec to May in forebearance plan which completed her forebearance plan. Jeanine's investor requires completed forebearance plan. She completed her forebearance plan. They now need these documents for Jeanine to take the next step.  

What does anything that you say have to do with you being a proven fraud by the CA and FL BAR in the past?  You can't deny the facts that are written about you in black and white court dosc by the BAR, or are they making the story up too?  Anyone who deals with Frank Leonard Smith, or is thinking about it please stop and go to the California and Florida BAR Association web page, and read about Frank Leonard Smith.......He is the true definition of a rip off.  A true scam artist, and nothing more.  Stealing peoples retainers...multiple times, then misrepresenting himself as a lawyer....that's low man!

Jeanine Mercer is not being investigated for fraud by the Attorney General of Florida. Florida Asset Preservation Group is. The Attorney General states that he uses multiple addresses to conduct his businesses so that he can't get caught.

Buyer beware! Check with the Attorney General about this company before you do business with him. Cross reference any company as he might change their name and/or address.

Never send money through a person's bank account because you will never get it back!

Florida Asset Preservation Group, LLC (FAPG) published Hit the Reset Button and Win in 2010 (Financial Planning the key being housing cost not to exceed 31% - and another on Predatory Lending). It also has other books, online magazines and newsletters.
Ms. Mercer solicited FAPG to advertise through her company. Subsequently, Ms. Mercer asked questioned regarding the various topics on her financial planning. She provided her financial statement with her housing costs significantly exceeding 31%. She was told she could not afford her home. Her financial statement showed her disability income, but not her return to work income.

Long before Ms. Mercer contacted FAPG, she had negotiated a Forbearance agreement with her lender. Ms. Mercer had her lender call FAPG. Ms. Mercer had a disagreement with her lender regarding when she would return to work. According to the lender, she had returned to work. According to Ms. Mercer, it would be soon.

During the time FAPG worked with Ms. Mercer, there were more than 50 phone calls and emails. Ms. Mercer became verbally abusive and insulting. She posted negative comments on the internet including THE FAPG BANK ACCOUNT NUMBER.The lender directly requested Ms. Mercer to complete her matters.

Florida Asset Preservation Group, LLC (FAPG) published Hit the Reset Button and Win in 2010 (Financial Planning the key being housing cost not to exceed 31% - and another on Predatory Lending). It also has other books, online magazines and newsletters.

Ms. Mercer solicited FAPG to advertise through her company. Subsequently, Ms. Mercer asked questioned regarding the various topics on her financial planning. She provided her financial statement with her housing costs significantly exceeding 31%. She was told she could not afford her home. Her financial statement showed her disability income, but not her return to work income.

Long before Ms. Mercer contacted FAPG, she had negotiated a Forbearance agreement with her lender. Ms. Mercer had her lender call FAPG. Ms. Mercer had a disagreement with her lender regarding when she would return to work. According to the lender, she had returned to work. According to Ms. Mercer, it would be soon.

During the time FAPG worked with Ms. Mercer, there were more than 50 phone calls and emails. Ms. Mercer became verbally abusive and insulting. She posted negative comments on the internet including THE FAPG BANK ACCOUNT NUMBER.
The directly lender requested from Ms. Mercer to complete her matters with the lender.

Florida Attorney General's Mortgage Fraud Task is investigating Florida Asset Preservation Group, LLC. According to the letter; In 2008 the legislature enacted a new law at the urging of the Attorney General to specifically address foreclosure rescue businesses and their potentially abusive practices. Section 501.1377, Florida Statutes, specifically addresses foreclosure rescue businesses and potentially abusive practices. The Official of Financial Regulation (OFR) licenses and oversees the mortgage industry in Florida, and as of January 1, 2010, loan modification companies must also be licensed through OFR.

Yeah, this guy is a ripoff.  He's a disbarred CA and FL tax attorney who stole his clients retainers and then falsely represented himself as a lawyer.  Read all about him on the web at BAR, or court websites.  Not the first time he has tried to pull a fast  one on people who really need help.  The truth hurts, but the truth on Frank Leonard Smith is readily available via the web.   He can try to make excuses about missing paperwork from the above person, but he cannot make excused for court docs that are in black and white.  

The lender received all required documents. The lender refuses to negotiate with this person. Don't get ripped-off by these people who claim to be loan modification specialist. I never received a loan modification, I received a foreclosure.

I do loan modification at a bank and there is never any cost/fees to the customer to be reviewed for a loan modification.  The only thing required should a modification plan be approve is 4 months of trial payments equal to what the new loan payment amount will be. 
After the trial payments a review is done again to update information and go over finances again to make sure the customer will be able to maintain the payments.

If there are any late fees or legal fees on the loan at the time of the modification these are deferred so again no money other than trial payments is due from the customer.

I really dislike these so called loan modification companys that charge large amounts that would have been better spent on your mortgage while you also work with your mortgage company directly for a modification.

No legitimate lender will charge an upfront fee of any kind for loan modification.



Anyone who charges these fees upront is a SCAMMER.



No exceptions to this rule.



PEOPLE!

GET EDUCATED!

PAY ATTENTION!

Jeanette is on disability and expected to return to work in June. Her lender is happy to help her once she returns to work. The lender will process her modication package when she provides it to them.

In fact, there are many programs to assist the unemployed or those waiting to return to work. Here is a great article from today's New York Times on the same.

http://www.nytimes.com/2011/06/05/business/economy/05housing.html?pagewanted=1&_r=1&nl=todaysheadlines&emc=tha2

6/4/11 Jeaney lender loss mitig Jeaney says they recd on 5/17 pkg recd but still need 2 mos bank statements, disability award letter, SIGNED & DATED 1 yr tax return, IRS 4506, HARDSHIP AFFIDAVIT, DODD FRANK CERTIFICATE, ASAP.  Paid $1800 per mo from Dec to May in forebearance plan. Investor requires completed forebearance plan. She completed her forebearance plan. They are waiting for documents from Jeanine.

The address of Florida Asset Preservation Group, LLC. is 115 16th St, Belleair Beach, FL 33786 and their telephone number is 727-286-6268. The person that ripped me off for $1,250 is Leonard (Frank) Smith. My lender refused to negotiate my loan with them and he refused to refund my money.