Loan compliance advisory Predatory Lending Wilmington Delaware

I suggest you file a complaint with the Federal Trade Commission (FTC). I recently engaged with Joseph Bisogno in a back-and-forth involving my state's attorney general's office and was provided with copies of everything the Bisognos had in our file. In brief, Joseph did not even come close to living up to the letter of the signed, written agreement in which he promises to provide "specialized leverage reports" detailing misrepresentations in the loan in question. In our recent correspondence, Joe attempted to hide behind clauses in the agreement which would appear to absolve him of an obligation to modify the loan, but which do not absolve him of, and rather incriminate him in, along with the fruits of his efforts, his failures to provide the *evidence* to support the loan modification, which his agreement clearly binds him to do.

LCAG, which consists of Joseph, his daughter, Sandy, and possibly no one else (there is a "Dennis McCauley" who has handwriting remarkably similar to Joseph's) produce toothless requests for documentation while generating a fair amount of paperwork which appears official enough but which does not produce the result offered either in writing or verbally. Their initial requests are standardized forms modified to incorporate case-specific information for each client which gives them a greater air of validity but which cannot possibly take more than a few minutes to produce, given that it's a copy-and-paste into a pre-existing document. They will file initial complaints with entities such as the Consumer Financial Protection Bureau (CFPB), your loan servicer, and even your bond holder, but as my experience and paperwork showed, there is virtually no followup and certainly no return that approximates the evidence they promise to provide to support a loan modification by yourself or another entity (e.g., an attorney).

In our case, and in brief, Joseph provided a packet of 148 pages which comprised the totality of his and Sandy's efforts. Of these, 12 pages were duplicates of other pages. The other 136 pages consisted mostly of the paperwork *we* provided so that Joseph could do the job he contracted to do. In addition, there was one CFPB submission, with no response; one letter to our bond holder, with no evidence provided of followup; a letter to my state's division of finance, again with no response or followup; and a brief series of letters with only one response from our loan servicer who indicated the loan was valid. There were *no* specialized reports pertaining to the loan in question. I went over this in great detail with my state's attorney general's office before they forwarded me to the FTC and can provide a detailed analysis of what happened in our case.

I was only able to elicit a response from Joseph after nearly two years of silence by tracking him to his home address, which is normally not an action one needs to take to get a response from a legitimate business. Joseph's response clearly indicated to me that he was not willing to take responsibility for what he has done.

The only way to hold Joe, Sandy, and anyone else who may be involved accountable is to speak up to authorities with the leverage to hold them accountable. If enough of Joseph and Sandy's "clients" file reports, the FTC will begin an investigation. I have already gone through the process of analyzing the paperwork related to our case, and am confident in my breakdown of what happened. The more that can do the same, the more likely we are to get justice.

I have sent you an initial contact at the email address you provided.

If you are reading this account, have not provided contact information, and you have been taken by the Bisognos and LCAG, please contact me at lcagfraud at hot mail.

Thank you for your time!

Carlos I have read your complaint and have also been a victim of the Loan Compliance Advisory Board headed up by Joseph Bisogno in Wilmington DE.