LP Advocates Patrick West Isaac Vargas Mortgage Fruad Scam California

In September of 2013 we were told by our mortgage company, Wells Fargo,  they would not work with us to keep our home. Wells Fargo told us we had 2 options, to foreclose or short –sale. We decided to do a short sale. We contacted our mortgage company right away to let them know and got a real estate agent, who specialized in short sales.

 We moved out of our home officially on November 23rd 2013.  We moved 2 and half hours away to the state of New Jersey.  In October 2013, there was an offer put on in for our house and everything was running smoothly.  Until our real estate agent contacted us in February of 2014 and told us that we had a 2^nd mortgage on our house.  We were not aware of that. She explained that it was ok but that the short sale was just going to take a little longer.  In March of 2014 our real estate agent was trying to work with Wells Fargo to complete our sale, but she told us that we would have to contact a lawyer because no matter how many times she had requested the proper paperwork, Wells Fargo kept telling her they were not aware of a short sale and kept losing the necessary paperwork.

 We had called a couple lawyers, but they were not responding.  We received a letter in the mail in March 2014 from LP Advocates stating that our Mortgage Company may have committed fraud and that we might be able to get our house back. It made sense at the time because they would not give our real estate agent what she needed. So we called and spoke with:

Patrick West

Home Preservation Specialist

Rep # 1003

LP Advocates

Direct: (714) 602-3194

Fax:    (866) 395-7897

He pulled up our case number and informed us that he was working with Wells Fargo lawyer firm Zuckerburg, Gold, and Associates.  He told me that we should have never been turned down for help from Wells Fargo when we were and that we should have been approved for the HAMP Program. He asked if we wanted to return to our home and I said yes of course. He sent us all of the HAMP program documentation and answered many questions that we had. After talking on the phone and through e-mail for a few weeks he said that we were PRE-APPROVED for the HAMP Program and he sent us our new terms stating that Wells Fargo would reevaluate the price of our home and modify it down to $152,308.16.

That we would get a 2.00% interest rate and our mortgage payments would be $601.21 a month for the next 30 years and that would include PMI.  We were told that we would have to send a reinstatement fee to Wells Fargo, it would go in and escrow account as in good faith. If we got an approval for the HAMP Program we would not get that money back but if we got denied we would get the money back. Then we would have to make 3 trial payments of $601.21 in June 2014, July 2014 and August 2014. I asked him what his opinion was because I didn’t want to move back to our home to only loose it again! We had no help with the money to move, only to move again. We borrowed money from family members.

He told us we needed to go back to our home in order for Wells Fargo to even consider working with us and that 90% of people do not get approved and we wouldn’t have gotten that far in the process to only be denied. We were also told that LP advocates would not get paid unless we get paid from our “lawsuit.” Once we get paid they would take 25%.  After we sent in our $1,722.38 Cashier’s Check for our re-instatement fee we called Patrick West to confirm the tracking number.  We talked to him many times through e-mail and on the phone, he was a great listener and said he understood everything we were going through, that he use to work for Wells Fargo and knew how they were so corrupt.

A couple days later Patrick then told us that his part of the process was over and that we would be working with Isaac Vargas: 1-415-763-2375 from now on. The main Lawyer who would be working with us on our lawsuit because of Wells Fargo over charging us, the exact words were excessively.

We moved back into our home on April 12^th 2014. A couple days later a person who was hired by Wells Fargo came to our house in Pennsylvania to take pictures to confirm that we lived there. I didn’t understand this. Another person was hired, a landscaper. I called Isaac Vargas and asked him to explain to me why we are still in foreclosure and these people are coming to our house.  He said at this point you still owe a debt so until your 3 month trial period is over you are still going to have these types of issues. I asked him about our lawsuit and he said that there are so many people in the same position that we are in right now and they are doing an audit on our mortgage going back to 2008 when we 1^st had our 1^st modification so it is going to take a while.  

 From April 12^th 2014 to June 1^st 2014 we were in contact with Isaac Vargas a few times. He would call us and request paperwork. We would receive paperwork from Wells Fargo so I knew LP Advocates were doing their jobs.  

Isaac told me that in May 2014 we should receive a packet from Wells Fargo stating our terms for our trial payments and our approval. We never received a packet. After calling him a few times I was able to reach him and he just gave me the address over the phone. We were no longer bothered by Wells Fargo at that point as well.  These guys knew everything about our mortgage case. That we should have never been charged with lawyers’ fees, about our 2^nd mortgage on the home. They knew too much.

 After June 1^st 2014 we no longer received calls from Isaac Vargas. I started calling him in July, after we made our second trial payment. I could not leave a voice mail. I then stated to write e-mails and call the other number I had.

1-877-791-8295. All 3 numbers that I have now been trying to call are just a busy signal, or I cannot leave a message. I have been sending e-mails and they are not being returned to sender, but they are not responding.

Now we have contacted a real lawyer and are in the process of filing a complaint to the attorney general. After doing more research we have found that LP Advocates has the same web-site as another web-site who is also on the Rip Off report for the past couple of years. I guess they changed there name. Now we have to hope and pray our Mortgage company will work with us to stay in our home.