Smart Solutions Financial Services ripoff the whole email trail O'Fallon Missouri

This company supposedly under the president of Steve Scharf, is rude and condescending to people.

I requested Down Payment Assistance from Partners In Charity and recieved a response from the "president" of Smart Solutions. I had filed bankruptcy on 06/24/05 and just needed help to be able to get a home. I am copying all the email that was traded back and forth minus my email address.

NO you dont know what decisions to make. You made the wrong ones. I could have helped you. Its your loss.

----- Original Message -----
From:
To: Steve Scharf
Sent: Saturday, October 01, 2005 10:48 AM
Subject: Re: PIC RESPONSE

First of all, I know what decisions to make. Second, I didnt email you back because I
a) already am working with a company for my loan
b) I filed bankruptcy already and it discharged as 09/24

Therefore, no I will not be doing ANY business with you.
----- Original Message -----
From: Steve Scharf
To:
Sent: Friday, September 30, 2005 11:34 PM
Subject: Re: PIC RESPONSE


LAST CHANCE!

Are you going to get your credit repaired so we can get you a mortgage loan??? It is a no brainer decision. You need to do it and do it fast. Do you want to get into a home?? If so, then go ahead and get signed up in the program. I have attached the sign up form. Fill it out and fax it back. Thanks.

----- Original Message -----
From: Steve Scharf
To:
Sent: Friday, September 23, 2005 10:06 PM
Subject: Re: PIC RESPONSE


IF you file that BK on 9-24. Then your FHA loan will be toast. What I recommend...is that you use our services to clean up your credit. Instead of filing a BK. 90% of all BK's in the U.S. should never have been filed. We can clean up your credit and with a BK you will only further damage your credit...and then you are stuck with bad credit for a long time. 10 years.

We still need you to fill out and fax or e-mail back the attached forms. (2 attachments 3 forms) You will need Adobe Acrobat Reader to open the attached documents. If you don't have it, you can download it for free on our website. smartsolutionsFS.com One of the forms requires a password. It is allied.

Once I have these forms...I would refer you over to Allied Home Mortgage, they are great! We send all of our mortgage customers to them. They in return send us their customers who need credit help. We consider them a preferred lender because they are already familiar with Down Payment Assistance (DPA) and Partners In Charity (PIC). WE COULD TRY TO GET THE LOAN TO GO NOW....BUT YOU MUST NOT FILE THE BK. Otherwise, it wont go.

If your credit is BAD....then I dont know how you were able to get approved for a FHA loan. Maybe you meant....after the BK it was going to be bad. I would bet that you are going to need credit repair..NOW...Even without filing the BK in order to get the mortgage loan. We wont find out for sure until we hear back form Allied Home Mortgage. At that time, I will let you know..IF you need credit repair..Then you can use the services of Smart Solutions.

Smart Solutions is the #1 ranked credit repair company in the United States and offer a money back guarantee. They typically get results within 60-90 days. No other credit repair company can say any of those things. You can read below on how to get started..

Need to IMPROVE Your Credit? Smart Solutions helps people IMPROVE their credit as well as their overall financial picture. Smart Solutions Financial Services has a 100% money back guarantee: WE GUARANTEE RESULTS! We will improve your credit/financial picture AND help you obtain a mortgage loan to get a home, AND help you obtain FREE Down Payment Assistance MONEY to help cover your Down Payment & Closing Costs. This is FREE grant money that you do not have to repay! (Up to 10% of the purchase price) (If you lose your job, or have low or no income then obviously you will not be able to obtain mortgage financing. The DPA guarantee only applies if you obtain a mortgage loan, and we help you do just that. Usually it is just a matter of getting your credit improved. Seller participation is also required in order to receive the down payment assistance. In most cases the seller participates. If needed, you can always find another property where the seller will participate) Even if you have GOOD CREDIT and earn a HIGH INCOME, you can still participate in using FREE Grant Money. In addition, you can apply for a much better mortgage loan using our preferred loan officers who understand this program and who can shop rates for you!

If you knew ALL this was GUARANTEED or Your Money back, wouldn't you want to enroll in the program if it were reasonably priced at an average investment of ONLY $137.50? (making only 4 payments over a 2 month period) Guaranteed results usually take place within 60-90 days. For those people who are OVEREXTENDED or have nasty collections, we can help you by making settlements (pennies on the dollar) AND also get them DELETED. This is an incredible offer utilizing the #1 ranked Credit Repair program in the United States. (Just type in the words #1 ranked credit repair services in ANY search engine and see who pulls up.)

The most important aspect of getting a mortgage loan is your credit. Taking action NOW to improve your credit/finances may be the most important thing you can ever do in your lifetime. Don't delay! Our fee is a small price to pay in order to have peace of mind. If you don't have the moneyYou must find a way to get it! Ask for help, sell some things you don't need. Don't tell yourself you can't afford it. If you really think about it.YOU CAN'T AFFORD NOT TO! This program is extremely critical to your financial future. Having good credit/finances is only everything! Please understand the importance of this program and how it can end your financial nightmares. We have helped many doubtful people get into homes. Don't play the fools game and continue to carry the heavy burden of your bad credit.

HOW TO GET STARTED

If you have internet access & a printer, then go to our website and print up the customer brochure and sign up form. Located on the home page (2nd tab down on the left hand side) smartsolutionsFS.com You can also open the attachment provided in this e-mail. It contains the Smart Solutions customer brochure & Sign Up form. You will need adobe acrobat reader to open it. Just fill that out and fax, e-mail or mail back to us the customer sign up form along with a voided check (choose a payment option). Also include a copy of your credit report, if you have one. Once we get all this information we will get started on your program. 314-754-2660 Fax

If you have a fax, but no internet access, then we will fax you a customer brochure & sign up form. We will need your fax number. Please e-mail us back with your fax #. Please also fill out the customer sign up form and fax back to us along with a voided check (choose a payment option). Also include a copy of your credit report, if you have one. Once we get all this information we will get started on your program. 314-754-2660 Fax

If you don't have internet access, fax or a printer, then we can mail you a customer brochure & sign up form. We will need your complete mailing address. Please e-mail us back with your complete mailing address. Please fill out the customer sign up form and mail it back to us along with a voided check (choose a payment option). Also, include a copy of your credit report, if you have one. Once we get all this information we will get started on your program. Our office address is: Smart Solutions, 107 Sandy Creek Dr.

O'Fallon, MO. 63366.

Steven Scharf
President - Smart Solutions Financial Services
636-533-4070 / 314-754-2660 Fax
SmartSolutionsFS.com


P.S. It is critically important that both the Realtor and Loan Officer understand how to use Partners In Charity (PIC) and Down Payment Assistance (DPA). They need to know what they are doing UP FRONT..so they know how to explain the process to the seller. The Realtor is usually the one who ends up explaining PIC and DPA to the seller.

The seller must participate to utilize DPA. The seller usually participates as long as it is explained correctly. That is the key. That is why we like to use our own preferred realtors and loan officers...because they are already familiar with the whole process. I would like to see you get an FHA loan with DPA. The DPA program works best with an FHA loan. It can also be used with other loans as well, but you must make sure the Loan Officer AND the lender they choose accepts PIC and DPA. We can refer you to Allied Home Mortgage for a great mortgage loan, they already understand DPA and PIC and the lenders they use accept PIC and DPA.

For your Realtor needs, we can use the SRNN to locate a Realtor for you. The Realtors in the Smart Realtor Nationwide Network already understand how DPA & PIC works. If you are already using a loan officer or a realtor then you need to make sure that they understand PIC and DPA and that the lender accepts DPA & PIC, otherwise you could be facing a nightmare process during your home buying process, which usually results in that particular deal not closing. Then they will want you to look for another property without using DPA, which doesn't help you at all.

Most loan officers and Realtors are lazy and look for the easy deal, & one that requires less explanation & paperwork. The loan officers and realtors we have chosen were hand picked based on knowledge and their passion to go the extra mile to help people. Also, you need to make sure your loan officer and lender are licensed to do FHA? Many lenders are not. With FHA you would get a low interest rate and get the DPA you need. It is the best deal around. No question about it.


----- Original Message -----
From:
To: Steve Scharf
Sent: Sunday, September 18, 2005 8:58 AM
Subject: Re: PIC RESPONSE


#1. What is your name, address & phone number?

#2. What is your credit like? Good / Fair / Bad? Do you have a copy of your credit report?

#3. What is your income (per month)? What house price range are you looking for?

#4. Do you have a Realtor? No

#5. Do you have a Loan Officer? If so, what kind of loan approval did you get? FHA / Conventional / Other? What interest rate did you get? How much Down Payment are they requiring?

#6. If it were possible, would you like a better loan offer? Almost certain we would be able to help you get your down payment & closing costs covered for FREE and also help you get a better loan offer with a lower interest rate. Just let us know.

#7. Do you have a fax machine? No If so, what is your fax number?

----- Original Message -----
From: Steve Scharf
To:
Sent: Saturday, September 17, 2005 2:57 PM
Subject: PIC RESPONSE


We received your inquiry about receiving down payment assistance through Partners In Charity. Partners In Charity (PIC) & Smart Solutions Financial Services work together to help people obtain down payment assistance & if needed, services to improve their credit in order to qualify for a mortgage loan or get a better loan. Partners In Charity can help you obtain thousands of dollars of down payment assistance money - up to 10% of the purchase price (which does not have to be paid back). The 2 biggest roadblocks to homeownership are credit concerns and lack of a down payment.

We can help you with both challenges. Even if you have GOOD CREDIT and earn a HIGH INCOME, you can still participate in using FREE Grant Money. In addition, you can apply for a much better mortgage loan using our preferred loan officers who understand this program and who can shop rates for you!

WE GUARANTEE RESULTS! STOP RENTING & START OWNING!

As you read below, you can determine on where you stand with regard to your own personal home purchase timeline. We just need to ask you 7 questions so we know what to do next. (Please respond by e-mail) Also, when you respond, please reply to the e-mail sent to you, that way we can track all communications and keep them on ONE continuous stream. We do not want fragmented e-mails.

Please let us know the answers to these questions to receive your down payment assistance money.

#1. What is your name, address & phone number?
#2. What is your credit like? Good / Fair / Bad? Do you have a copy of your credit report?
#3. What is your income (per month)? What house price range are you looking for?
#4. Do you have a Realtor?
#5. Do you have a Loan Officer? If so, what kind of loan approval did you get? FHA / Conventional / Other? What interest rate did you get? How much Down Payment are they requiring?
#6. If it were possible, would you like a better loan offer? Almost certain we would be able to help you get your down payment & closing costs covered for FREE and also help you get a better loan offer with a lower interest rate. Just let us know.
#7. Do you have a fax machine? If so, what is your fax number?

If you want to take advantage of the Partners In Charity Down Payment Assistance, we CAN help. Ideally, an FHA loan works best! In addition to answering those 7 questions, please also fill out and fax back the 3 forms attached to this e-mail. One of the forms requires a password. The password is Allied. Please fill the forms out completely. You will need Adobe Acrobat Reader to open the documents. If you do not have this program, you can download it for free on our website at: www.SmartSolutionsFS.com. It would be a tragedy if you did not use this program to save THOUSANDS OF DOLLARS (that you do not have to pay back - Up to 10% of the purchase price!) Please e-mail us your answers first, and then we can go to the next step. If at that point you have any questions, feel free to call or e-mail.

Sincerely,
Steve Scharf

P.S. Limited Time Offer Offer expires in 10 days.

Joshua
Springfield, Illinois
U.S.A.