Report: #582559

Complaint Review: Janian and Associates

  • Submitted: Thu, March 18, 2010
  • Updated: Thu, November 01, 2012
  • Reported By: Angry&Frustrated!! — Hagerstown Maryland United States of America
  • Janian and Associates

    glendale, California
    United States of America

Show customers why they should trust your business over your competitors...

Janian contaced me and insisted that they are not like the "other" places claiming to satisfy loan modifications.  I took their word for it.  After speaking with the associate for about 2 weeks, I signed the contract and sent them $2,900 - of which I really didn't have to send.  I was behind on my mortgage - the money should have gone to them.  In this process, I was told that I didn't have to pay my mortgage if I didn't want to and they would prevent my home from going into foreclosure.  30 days ago, my home was placed into foreclosure status.  I had been through 3 negotiators at this point, and I was NEVER notified when my file had changed hands at Janian. 

I rarely received return calls or return emails to my requests for status updates.  The customer service is lousy, and I would not recommend them to anyone.  If they have worked well for other people, great.  But my experience with them was and still is poor.  I was the one contacting my lender, giving them the information that I had already given to Janian...twice! 

They claimed they were unable to help me and my file was closed at Janian in late February, and I am awaiting my refund.  I have since contacted my mortgage company and worked out a modification - within a week!  I have taken care of my mortgage, not Janian.

I have contacted Janian for 2 weeks attempting to get the status of my refund.  I rec'd a call today from a lady who completely blew me away.  She told me all sorts of things that were on my file that were not true!  Poor, poor, poor!  She then told me she didn't know why I was contacting her.  Do these people not listen to their customers??  Seriously???

My refund will be in my hands next week.  Or, at least that's what I was told - should I trust them?

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This report was posted on Ripoff Report on 03/18/2010 12:00 PM and is a permanent record located here: 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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#1 UPDATE EX-employee responds

Ex employee

AUTHOR: Mike - (U.S.A.)

This company is not who they say they are. They fired me because I was trying to help clients I had a team who I managed and I was trying to fix the mistakes of the past manager. I tried over and over to get the team to close deals. When Found issues that needed to be refunded I was let go. It turned into a BK shop. I am sorry to be the 1 to say this but the Armen Janian who owned the place was just a figure head. He was never there and his nephew ran it. Very shady and I am sorry to say I was part of them. They tried to get me to sign a paper saying I would not testify against them in court, when I refused to sign it I was brought into a room and written up for being insubortinate and fired the same day. I was sad to see that they truly did not want to fix the mistakes of the past. Good luck getting any money back from them. I actually believed in them at 1 point. Look above and you will see a post from me where I actually defended them. Now I am disapointed that I did that for a company who was scamming so many people.
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#2 Consumer Comment


AUTHOR: DC - (United States of America)

I have become a victim of fraud as well from this company, staff, procedures and coercions.  I have attempted to contact this company but to only get unanswered calls, I have attempted to email this company but never to get responses.  I have mailed letters to this company but to get nothing is return for services they had never provded and the theft of my $3300 dollars.  I have conducted some research on this company which has changed it's name several times do to this company having been suspended both by the California Secretary of State's Office and the Franchise Tax Board.  As of today's date, November 1, 2012 this company (AKA The law offices of Janian and Assocaites, A professional law corporation) are suspended by Franchise Tax Board.  I encourage you to ready what I have located which is public information that I had to pay for.  But before I release this information, I lost my home to foreclosure do to the illegality of this comany, their deceptions, lies, coercions and failures in provided the services and necessities necessary.  This company is a fraudlant organization and needs to be punished by the "Office of the Chief Trial Counsel Intake", The State Bar of California.  I have demanded responses to me emails, letters etc. and have received only a quick message from Mr. Armen Janian himself, as I cannot verify this.  See below: 


I am in receipt of your fax and email accusing me and my Law Firm as being "false, deceptive, misleading and an all out
lie", and "a criminal organization". I am reviewing your file and I will be responding to you after I have concluded my review.

In the meantime please send me any proof that you allege I being "false, deceptive, misleading and an all out lie", and
"a criminal organization".  

If you are in fact entitled to a refund, arrangements will be made for such purpose.  Please be advised, however,  that I
intend to fully prosecute any and all individuals, who maliciously, and with impunity, falsely accuse and defame me and my law firm.  I will be filing appropriate court actions.
Thank you.

Now please read this:

Mr.Armen,       November 1, 2012

You will find the research that I have conducted:  I have purchased the information from the Secretary of States Office and have found the corporation numbers you have incorporated under and to find that these have all become suspended. 
Date you first incorporated in was August 1, 2000 then suspended for doing business in the State of California on 10/23/2002.  The second attempt to do business in California was 10/17/2003 and again suspended for doing business in California on February 1, 2008.  The third time you attempted to do business in California was incorporating on January 25, 2008 and again
suspended on January 4, 2010.  During these periods you are not authorized to conduct business in California as you will see below.

Corporate Names:

Law Offices of Armen Janian and Associates, A professional law corporation -Corp# CXXXXXXX - suspended (1/4/2010)

Law Offices of Janian and Associates, A professional law corporation - Corp#CXXXXXXX - suspended ( 2/1/2008)

Armen Janian and Associates, A professional law corporation - Corp# CXXXXXXX- suspended (10/23/2002)

In California, both the Secretary of States office and the Franchise Tax Board have the authority to suspend a California corporation. The Secretary of States office can suspend a corporation based upon the failure to file and pay
the annual Statement of Information. This statement contains the identity of the officers and directors of the corporation, as well as its agent for service of process. The failure to file a Statement of Information on time may result in a $250.00 late fee.

The Franchise Tax Board has the authority to suspend a corporation based upon the failure to pay the minimum tax of $800.00 a year or the failure to pay any taxes that are owed. In addition, a corporation may be suspended for the failure to file tax returns. Tax returns are required on an annual basis even if the corporation is not doing business.

The impact of a corporation being placed in suspended status is substantial. When a corporation is suspended, it has lost all rights and privileges as a corporation and cannot legally operate. In that regard, technically a suspended corporation is
required to close its business and stop all business related activity. Moreover, a suspended corporation cannot sue or defend any action in court.

Furthermore, a suspended corporation that provides a service, or goods, to third parties while suspended may not be able to collect payment for such services or goods since the suspended corporation technically was not permitted to engage in any business transactions.

A California corporation can be placed back in good standing after its has been suspended by being revived or reinstated. Until the corporation corrects its suspended status, the corporation is prohibited from transacting business and any contract executed by a suspended corporation is voidable at the demand of the other party. The only exceptions to the loss of corporate privileges upon suspension are that the corporation may (1) change its name by amendment to its Articles of Incorporation and (2) apply to the Franchise Tax Board for tax exempt status.

Once notification is received of the suspension, it is important to move as quickly as possible to have the corporation revived or reinstated. A corporation that was suspended by the Secretary of State because of the failure to file the required annual Statement of Information can be revived by sending a letter to the Secretary of State along with (1) the delinquent Statement of Information and (2) the payment of the overdue fees and/or penalties imposed. Provided that the corporate name is still available, the Secretary of State will send a Notice of Reviver to the corporation and notify the Franchise Tax Board. If the corporations name was taken by another corporation during the suspension period, then the Secretary of State will advise the corporation that it must change its name by amending its Articles of Incorporation before the corporation can be revived.

In the event that the corporation was suspended by the Franchise Tax Board, the suspended corporation may have its corporate privileges reinstated only by filing all delinquent tax returns and statements, paying all applicable taxes, penalties, interest and fees, and filing an application for a Certificate of Revivor with the Franchise Tax Board. Before the Franchise Tax Board issues the Certificate of Revivor, the Secretary of State must again approve the corporate name to insure that another corporation did not take the name during the period of suspension.

In summary, the potential adverse consequences that can flow from the suspension of the California corporation dictate that both the required Statement of Information and the payment of the minimum annual franchise tax and tax return be transmitted on a timely basis. While a corporation can be revived or reinstated following a suspension, the danger exists that the corporations name will be taken by another entity during the time of the suspension. Additionally, the risk of being unable to participate in litigation,as well as the risk of having a contract voided by the other party, greatly outweigh the burden of complying with the requirements of the Secretary of State and the Franchise Tax Board.

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#3 Consumer Comment


AUTHOR: Barbara - (U.S.A.)

I retained the servies of Janian and Assoc. as well, back in June, 2010. Gave them $2,500.00 and they still lost my house.  They guaranteed 100% that they were not like any other company. NO KIDDING!  January 19, 2011 my file was closed.  My ;awyer told me to get in contact with some lady named "Ingrid" (if that is her real name) and she was suppose to refund my money ($700.00) back on May 31, 2011. Still no check in hand. Lies! Lies! Lies!! 
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#4 Consumer Comment

Very interested in the final result

AUTHOR: Ron H - (United States of America)

I just filed my report on the 5th...It seems strange that i haven't gotten any response from Janian and Associates vast array of "Executive Assistants". 

I cant even get a response to whether or not they intend to keep my hard earned money, not even a yes or no. And if not, I'd be extremely interested to hear what they could possibly come up with to justify not refunding 100% of my $2900.00

I wish you luck and ill be looking for the final result.

Ron H

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#5 General Comment


AUTHOR: linda - (United States of America)

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#6 Consumer Comment


AUTHOR: BV - (United States of America)

October 6, 2010

Michelle Cadwell:

You have come out in defense of Janian and Associates and said that you have arranged for Ms.Angry and Frustrated to get her refund from the Company.  I find that unbelievable.  Your Company does not refund the money.  They are only interested in taking the money and then not caring for what happens to the client.

I have called your office several times but you are never available and when I ask to be put through to your voicemail the operator disconnects.

Why is that?  Are you really an employee of Janian and Associates and did you really resolve Ms.Angry and Frustrated's problem and refund her money?

I have also been dragged through a year-long nightmare by Janian and Associates and no one ever responds to my voice-mails or emails for my refund.  So how do I reach you to talk about this?  Should I write to the BBB, the CA Bar and the Attorney General's office before you or anyone in your office listens and does the right thing by me?

Awaiting your response.

Another Ms. Angry and Frustrated
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#7 UPDATE Employee

Dear Angry and Frustrated

AUTHOR: Michelle Cadwell - (United States of America)

Hello, my name is Michelle Cadwell and I am an executive assistant at the Law Offices of Armen Janian and Associates. I wanted to address some issues that are stated in your post and raise some questions to the validity and credibility to some of the facts in your posting.

Mrs. Angry and Frustrated you retained our services on October 28th of 2009. The amount retained for our services was 2,900.00, which you did not send all at one time. We had offered you an affordable payment program which allows any of our clients to pay in payments that are affordable and can fit within budgets to make obtaining legal services possible for many consumers. You signed a check purchase authorization that allowed us to bill your account twice in the amount of 1400.00 on October 30th of 2009 and then again for the final payment of 1500.00 on January 4th, 2010. This allowed for your budget to not be strained during the holiday season. We overextended ourselves to you by 24 days to allow us to gather the remaining balance of the retainer for the services rendered at our offices per the real estate contract for modification services.

On November 2nd, 2009 your file reached our processing department; however, we did not have complete current bank statements for 2 months (you faxed us incomplete bank statements from July thru mid-September) and your 1040s from 2008. On this date we then faxed over the authorization from our office to your lender and also called you and left a voicemail regarding missing documents from your file. From this point you were transferred over to the negotiation department on November 12th of 2010 which you were assigned to Bessie Corona.

 Bessie called and introduced herself after she called the lender on November 17th, 2010. The 20th of November she called and emailed you to ask again for the missing conditions in order to complete your file, which were two current bank statements and your 1040s from 2008. We continued to email you for current paystubs and bank statements as we do with each client to show your lender that you are still in the same hardship that you were in when you started the loan modification process. On December 11th your lender requested that we fax in proof of your rental agreement in the amount of 800.00. At this time your lender requested that another authorization form from them be sent out to you due to updated lender guidelines that will not allow them to work with 3rd parties. These documents have to be sent directly from the lender to the client to fill out and return in order for our company to speak with your lender. Your file was assigned to a negotiator at the end of December. Bessie then left the negotiating department which your file was then reassigned to Richard Martinez.

Mr. Martinez was assigned the file on January 6th, 2010. He sent out a QWR or a Quality Written Report to your lender in which we subpoena all original loan documents to from lender make sure that there are no illegal lending practices that were performed on your loan. January 13th, Richard conferences a call with both Mrs. Angry and Frustrated and Midland Mortgage whom we spoke with Laquisha (Id # 1823); she stated that we needed to resubmit all financials again which needed to be filled out on their modification packet. Over the course of six business days Richard underwrote the file once more to make sure that it would qualify for a modification, forbearance or a repayment plan to keep the client in her home. On the 21st of the month Richard called the lender again and spoke to Tracy (Id #0323) and went over these financials and got the client prequalified for a modification program.

 Richard called into the lender with the client on a conference call on February 1st for a routine status and update check. When he spoke with Lisa (ID # 1859) she transferred Richard to Rachel in Loss Mitigation the negotiator was requesting a check stub to show that the client was still receiving rental income and told them to fax this in to 405-858-3534. At this time there was not a sale date on the property and the property was not in a foreclosure status yet, even though the client had been behind since April of 2009. On February 9th of 2010 a quality control call was placed on the account to verify the notes and we spoke with Nikki (ID 1498). This is our actual notes within our tracking system:

    2/9/2010 5:32 PM Anna General QUALITY CONTROL CALL: called lender for status; spoke to Nikki financials were just updated 01/2010 however for any other information we need to speak to negotiator Rachel Robinson hours 8am-5pm fax auth to 405-858-3000. Also stated that the client had called in and spoke to Rachel but we would have to speak with her since Nikki cannot access those notes.

Richard was promoted to a team lead which he had direct supervisions over Pat who took over the file on the 17th of February. The next day the client was called at her home and her cell phone number to introduce herself and the updated required documents that were needed for the file.

   2/22/2010 11:47 AM pat Status Called Lender, spoke to Monica(ID 1344), was told that per Investor guidelines client's packet got denied for any modification program except a repayment plan to catch up, which it will bring client's payment to $400 more than the regular payment of $1414.12. Client has no cash flow or contribution, behind on payment since Apr. 09 until now.

A few days later I spoke directly with the client:

   2/26/2010 7:16 AM Michelle General Spoke with the client today and she was very upset. She explained to me that they are currently behind since about May. They attempted to make three full payments September and October and November to show the bank that they are willing to keep the home. They had to make these payments on time and then they did not make the November payment since she could not afford to pay all of her bills during this month. She also explained to me that she was given the list of the expenses that he was supplied to the lender so she could call her own expenses in but it is unclear if she ever called them into the lender. She wants to speak with a supervisor that is directly involved with Richard.

To address her concerns for Richard and his team I forwarded the complaint to Richards supervisor Arlena to further assist the client. When she called the bank to achieve a status so she could properly assist your issue and here are the notation in lead trac:

   2/26/2010 8:46 AM Arlena General called the lender and spoke w/Christina (id 0053) said that due to the negotiator running the clients credit and showing their actual accounts that report to the credit agencies; the customer has a deficit at the end of the month and the bank will not offer them any type of workout per the guidelines of the investor but a repayment plan to get her caught back up with her loan. I called the customer at the number listed and gave her the information she said she wanted a full refund I advised her Brittany is out of the office and she can contact veronica or David Johnson but it normally takes 30 business days from the day of request by email or letter.

Per your real estate retainer in Section 5 Refund policy explicitly states: Attorney shall refund client if attorney cannot facilitate a loan modification within 180 business days of client signing this agreement and Client provides Attorney with written notice of termination signed by Client. A complete refund shall be paid to Client within 30 business days from receiving Clients written notice of termination. Client shall be entitled to any refund under the following circumstances:

 A) Client materially misrepresents to Attorney, Clients income, assets, employment or employment prospects, occupancies status of subject property requiring a loan modification, monthly living expenses such as food, clothing, health care, insurance coverage, automobile or any other pertinent and necessary place of information retained by the client and needed by attorney; and

 B) Client is required to enter into a forbearance agreement with Lender/ Servicer in order to procure a subsequent loan modification and Client is unwilling to enter into the forbearance agreement; and

C) Client is required by Lender/ Servicer to pay a good faith deposit or deposit in order to procure a forbearance agreement and subsequent loan modification or and Client is unable to come up with the good faith deposit or Client is unwilling to pay such deposit to Lender or Servicer; and

D) Lender requires Client to reduce Clients non-mortgage liabilities through a debt settlement agency, company or law firm and Client does not do so; and

E) Client is uncooperative with Attorney with required documents in order to procure a loan modification within a structure.

 Even though per your lender you did not qualify for anything but a repayment plan; which is to get you caught up with your payment and to show the investor that you are willing to keep the house you did not qualify for an entire refund. You were also in breach of Section 5 A and B per your Real Estate contract that you signed on October 28th, 2009. However we issued an refund, which should have not been issued to you no later than April 9th, 2010, on March 23rd, 2010 in the amount of 2,900.00 which was the entire amount of retainer fee.

Furthermore, when this complaint was issued, I performed some of my own research on the account regarding you being able to retain a, modification yourself and not through our offices. Since Midland Mortgage required you as a client to a 3rd party to state your expenses yourself over the phone to them our Negotiator Richard Martinez gave you a copy of the underwriting which you stated you still had on the February 26th. I called back into the lender to see what kind of, modification, that you were able to achieve on your own instead of using our services. These are the notes in rearguards to your account at the bank about the modification you received from them:

3/23/2010 11:11 AM Michelle General Per Stephanie (ID #0265) Owner lost modification at the end of last year due to not making the last of three payments they set the client up on which was November; As of now they are pending a loan modification with the bank. Stephanie transferred me to review notes on the account. Heather (ID #1996) was plan set on account; it is a Repayment that will go into a modification; Repayment it took everything the client was behind To get the client caught up on the months that she was behind and to get her out of foreclosure. Heather verified the expenses that the client used which were the exact same expenses that were on our Negotiator Richards underwriting sheet.

However we are a legitimate company and we very strongly feel if you do not feel that you were treated in a professional manner or felt neglected during the process, we are very apologetic for these feelings. All of our clients we do realize that this is more than a home; it is a life that is built around it and we try to do everything within our power to prohibit foreclosure or even selling of your property. I will say if you do keep up with your payments that your investor will hopefully see this a good faith payment to stay in your home and give you a modification offer. We wish you the very best in this endeavor.


 Michelle Cadwell

620 N Brand St

5th Floor

Glendale, Ca 91203

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#8 General Comment

It is not illegal to Charge for Mod services

AUTHOR: Mike - (U.S.A.)

SB94 States it is illegal to charge upfront, you can still charge as you complete certain contracted obligations. Seems to me like you are advertising for your company. As for the original message it seems to me that if it was a rip-off you would not be getting your money back. You finished by saying that they are sending you a refund. So why say something negative about a company who gave you a refund? Seems like you have a Mod and your money back what a horrible world. This company to me seems like they held up their end of the bargin.
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#9 Consumer Suggestion


AUTHOR: RomanRealtors - (United States of America)

You must consider a  shortsale most people do not realise that the bank does not care about the homeowner and there are millions of boiler room scams offering loan mods popping up every day . Out of 4 million homeowners facing  foreclosure only 135,000 have been helped thru a modification, companies are no longer allowed to charge for modifications so anyone offering their services at a price is a scam . I suggest talking  to a licensed real estate agent about your case.


also many people do not qualify for the 5 requisites the bank requires .

we do not charge for modifications or shortsales the bank pays us. We wont ask u for a dime.

Joaquin R


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