Home Mitigation Advisors Express Debt 411 Home Mitigation Help took 2500.00 in two cks ck # 9439 for 1250.00 and CK# 9440 for 1250.00, then debited my acct 254.00 to pay on my bills. They were suppose to lower my house paymt from 1374.00 a mt New Brunswick, New Jersey

In May (10) 2010. Richard Macini called me and said he could help me with a Home Modification,  I was 4 months behind on my mortgage, and was seeking help.  There was a Joe there, a man named Mel, and a girl Cindy.  After giving Richard all my information he called me back a few days later and said he could defently help me, if he couldn't which he expressed the first day I spoke with him, if they could not help me it could cost me nothing. Richard also said he would take care of any outstanding debt I had. That would be 254.00 dollars a month.  I was excitied!!!!!  Richard said he would call me back.  He called me back on May 15th, 2010, said he had downloaded some forms for me to sign and initial, but that I would have to hurry it was time senitive.  And Fed Ex would be coming by my house at 4:30PM.  The price was going to be 2500.00, which I told him I did not have it, he said he could divide it in two monthly payments. 
Richard said "write me two checks each for 1,250.00 made out to Home Mitigation Help, put them in the envelope that Fed Ex was bringing, along with the papers I signed and initialled".  "Fed Ex will give you a tracking number, write it down, then call me after he leaves". I did all that.  Then waited, and waited.  In June 2010 after them cashing my second check (which they altered) they then debited my account $254.00 which over draw my account ( 4 NSF fee at 39.00 each).  I call the company and said, to a Joe that I wanted them not to debit my account anymore and I want to cancel this whole thing. I told Joe that they were not doing anything for me, and he did tell me at that time, that they COULD NOT HELP ME.  I said I want all my money back, and my bank was going to report on a claim that they had altered a check, he said it you do that "you will wait a long time to get your money back".  My Bank Manager talked with him and he told her it was ok what he had done to the check, and hung up.  When I later talked to Richard Macini, he said these things take time, "give it some time".  Which I did.  In mid June the sheriff came to my house with forclosure papers.  I call my bank Bank of America, they informed me that they were contacted once, but had informed Home Mitigations that BOA was unable to do anything.  Again I called Richard, and he said he was still working with the bank.  I told him I wanted my money back, that even Joe had told me the Home Mitigations could not help me.  Which he did not believe.  I c all them every month and
they refer me to Cindy, she says I will check on it.  I had contacted the Attorney General of Ohio and New Jersey.  Ohio said it would be their word against mine. If Home Mitigations denined it, i was out of luck.  New Jerseys Attorney General never got back to me. I called Richard about a month ago at 732-682-2129. someone answered and when I asked for Richard the person on the other end of phone said he is not here I am a new recruit, I said to him you better look that company up it is a ripoff and a scam.  He hung up.  Richard called me back, and said he did not work for Home Mitigations any longer, and I scared his new recruit  He told me to call Cindy she handles all that stuff.  I called her she said she would check into it.  The beginning of June I called her again and she said they mailed me a check in March 2011.  I never got any check.  Called her again June 20, 2011, it was 2:53 PM I asked if she checked to see what happened to the check they mailed, and she put me on hold, came back and said she will look for a tracking number.  I asked what time do you close, she said 3:00PM.  Please help me!  I have left my home in Brunswick, Ohio, and am now living with my sister and brother-in-law in Florida.  I had to sell my car.