Complaint Review: Liberty Credit Law - Internet
- Liberty Credit Law Many addresses Internet United States of America
- Phone: 888-715-4237
- Web: www.LibertyCreditLaw.com
- Category: Credit & Debt Services
Liberty Credit Law They want to take your money, not save you money. Beware!! Internet
*REBUTTAL Owner of company: I was ripped off
*Author of original report: Typical lawyers and more lies
*REBUTTAL Owner of company: Discontinued Client
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In June 2009, Iwas cold called by Al Navarra about help with mortgage loan modification Upon receiving the call, I was uncomfortable with discussing money or my loan until I verified that this was not an attempt at identity theft and asked for a call back in one week. After doing research online, I found that this was a real company and discussed my mortgage situation with Al. When discussing the amount of the service, Al stated that a $495 retainer fee was due before any work could be completed on the case, another fee would be due once the mortgage company agreed to modify the loan, and a third fee would be due before the proper paperwork could be submitted to modify the loan. I asked if I changed my mind about the service, at what point am I no longer entitled to a refund. He stated that once loan information was collected from the mortgage company, I would no longer be entitled to a refund of the retainer fee, but the other fees would no longer apply as well. On or about June 24, 2009, I gave Al my credit card number over the phone and was charged $495.00. A few days letter, Al submitted to me a contract for service and power of attorney via email. No where in the contract did a refund policy dispute what had been previously told to me by Al. I submitted the contract and power of attorney to Al. Several days later, I got a letter from my mortgage company (CitiMortgage) stating that they had received the power of attorney but it was not accepted. CitiMortgage would need me to fill out their power of attorney form in order for the company to turn my loan documentation over to Liberty Credit Law. I never signed nor submitted CitiMortgages power of attorney. Additionally, there was quite a bit of personal documents (pay stubs, bank records, tax returns, etc) that Liberty Credit Law asked for. At no time was any of this documentation submitted to them. My financial situation changed shortly after (August) and I felt I no longer needed Liberty Credit Laws service so I called Al Navarra to inquire about the refund process but my call was not returned. On November 6, 2009, I received an email from Michelle Matos asking for the personal documents again. I replied to her message, again asking for the process to request a refund. On November 9, 2009, I received an email from Marie Eschrich stating that she had received my email from Michelle and asked for me to give her a call. I called the very same day and had to leave a voice mail. She called back and I verbally requested a refund. By November 18, 2009, I had not heard back so I emailed Marie again asking for a status and she again replied with a request to contact her via phone. I made two calls and left two voicemails, to which neither had been returned, so I again emailed her asking what more was there to discuss as I was simply looking for a status of my refund. Eventually, she did respond via email, but this time stated that she needed my request in writing. On November 19, 2009 I submitted the written refund request. On November 30, 2009 I, again, had heard nothing, so I emailed Marie asking for a status of the refund request; no response. On December 2, 2009, another refund status request went to Marie via email to which she replied that a letter had been sent to my home. The letter arrived and stated that the retainer would not be refunded because the office had begun to gather documents. This is impossible as I did not submit any to them outside of the contract and power of attorney. The mortgage company rejected the power of attorney so there could not have been any documentation received from CitiMortgage. According to their website, they also operate in the following areas so beware!!: Debt Settlement, Bankruptcy Chapter 7, Bankruptcy Chapter 13, Mortgage Compliance, Short Sales, FDCPA Enforcement, Creditor Litigation Defense, Credit Repair, Property Tax Reduction
This report was posted on Ripoff Report on 12/09/2009 08:58 AM and is a permanent record located here: https://www.ripoffreport.com/reports/liberty-credit-law/internet/liberty-credit-law-they-want-to-take-your-money-not-save-you-money-beware-internet-536423. 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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#3 REBUTTAL Owner of company
I was ripped off
AUTHOR: Lynnaire B - ()
SUBMITTED: Saturday, May 31, 2014
I was called on April 8, by a representive of Liberty Credit Law. I was told they could repair my credit in four weeks. All I had to do was pay $70.00 and an extra $12.00 for a credit report. After i paid I was transfered to a paralegal who was suppose to work with me. I was then told it might take up to a year to complete my credit repair and I would be charged on my credit card $90.00 a month till My credit score was fixed.
#2 Author of original report
Typical lawyers and more lies
AUTHOR: Jazzy1 - (USA)
SUBMITTED: Thursday, December 17, 2009
I'll just point out the many lies told in the rebutal alone!
"Upon enrollment Liberty carefully evaluates a clients financial situation, works with them to draft a hardship letter which clearly sets out their hardship in a manner the banks can accept and a unique proposal and analysis is prepared and transmitted to the bank. " - The same cold-caller told me what to write in the letter. Considering this is one of the many documents that was requested but not actually given to the company OR the bank, it's hard to see how anyone worked with me on it.
"In the case of this client, detailed notes are replete with requests for documents and an original power of attorney. The client was contacted no less than 20 times requesting documents in order to complete the file." - Of course there were many requests for the documents...I had been requesting a refund since AUGUST!
"On November 30, 2009 Liberty wrote to the client discontinuing its services due to a lack of cooperation. " - WRITTEN requests for refund were made November 9th, November 18th, and November 19th. The only lack of cooperation is that of Liberty Credit Law.
"Liberty Credit Law performed substantial work on behalf of this client" ~ There was NO documentation received except for the initial contract for services. The many requests for documetation (although 20 is also quite an overestimate) prove that there was no work done because they had nothing to work with!
#1 REBUTTAL Owner of company
Discontinued Client
AUTHOR: Liberty Credit Law, P.C. - (United States of America)
SUBMITTED: Friday, December 11, 2009
The request for refund of the $495.00 retainer in this instance was inappropriate since substantial work was performed on behalf of this client and it was the clients lack of cooperation that would not allow us to move forward with a loan modification. Of course many banks attempt to make obtaining a loan modification as difficult as possible and will use any excuse to avoid having to deal with loan modifications. Many banks outwardly discourage consumers from dealing with attorneys that are well suited to assist them in navigating through the morass of getting a loan modified. Furthermore, the banks all have attorneys representing them. Liberty believes that consumers should have the same right.
Liberty Credit Law performed substantial work on behalf of this client. Liberty works very hard on behalf of all of its clients and continuously renegotiates and pursues better results when encountering stubborn and uncooperative lenders. It must also be pointed out that the first client contact was not a cold call. The client responded to direct mail marketing. Liberty has record of the advertisement having been mailed and the client initiating a call to its office.
Liberty Credit Law is very sensitive to the needs of its clients and the fact that the economy today has left people with very little money to enforce their rights. Liberty has a very liberal policy in refunding fees under the right circumstances. In this case substantial work was performed for the client and the relationship was terminated by Liberty due to the clients lack of cooperation. The attorney client relationship is two waythe client must cooperate with us.
Liberty Credit Law, P.C.
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