The Consumer Advocacy Group Consumer Ad Group Sinsara Lobbying Group The Consumer Advocacy Foundation Hired them for loan modification and chapter 7 bankruptcy. Neither were done. They took the money and never performed the services. Henderson, Nevada

I read this and cannot believe lenders get away with this.  I cannot believe that they are not put in jail for doing what they do.

How does a mortgage lender or servicer benefit when a borrower defaults on a loan?  Mortgage lenders and servicers are debt collectors.  When a loan is created they lender will insure the loan in the event the borrower defaults.  Now keep in mind the lender, in many cases, knew in advance upon making the loan that the borrower could not afford the loan long term.  The lender expecting the borrower to default would create a teaser mortgage payment that would allow the borrower to make payments for a while.  At some point the borrower payment will skyrocket to the point where the borrower can no longer afford the loan.  After 90 days of missed payments, the lender gets to file a claim with the insurance company because the loan is now in default.  When the lender files a claim, they get paid the full cash value of the loan.  While getting paid in full the lender continues to harass the borrower by charging late fees and scaring the borrower with foreclosure notices in an attempt to get the borrower to pay all past due payments.

They are all criminals!!!

Kristy, you keep using the excuse that people made their own beds, they need to lie in them and not expect you to work miracles. First, you don't work miracles, you charge people for work you don't get done.

There's NOTHING wrong with my husband's and my finances - we simply wanted a rate reduction. So you can't throw that below-the-belt attack at us for our complaints against you, as well, and they echo what everyone else has said -- you simply don't do what you say you will do. It's been 10 months since we hired your firm to get a rate reduction done. At the time you took our money, you knew the state had told you to STOP putting yourself out there as a loan modification company because you had not registered with the state and posted bond as is required. And, putting yourself out as an expert in loan modifications, you would have known this legal requirement so even if ignorance could be an excuse under the law (it can't), you would have absolute knowledge of this requirement from the letters you were receiving from the state.

I'm not going to sign my complaint, either, because you haven't answered the legal issues and I think any other than that is just noise because the plain fact is you wree engaged in illegal activity and you knew it. I've already formally requested a refund of my fees from your office and am still waiting to hear something, anything, in response.

What a travesty that somone would even try to dispute this person's story. Understand that Sinsara has people going in under aliases to write glowing rebuttals.  The only good news is that Sinsara and her band of thieves only got these folks for 300 dollars. Lately they are ripping people off for thousands..Believe everthing you hear negative about Sinsara and CAG.  Sinsara is a criminal who will be in jail soon.

I was told by several people that the best way to handle any complaint here was to just do nothing.  I usually stay away from this site because it used to hurt my feelings to read these things...then it just started making me mad.  It's pointless to even write this, I know but I only want to say, AS I HAVE ALWAYS SAID...if you're not completely full of lies, lies, lies and aren't truly looking to blame someone for all of YOUR bad decisions then why won't you state your names here?  Why file these complaints anonymously? 

If I felt a company ripped me off, I'd shout if from the roof tops, and I wouldn't be shy about stating my name.  Cowards kick people from behind and run away.  And cowards are liars!  Period.

I don't promise things we can't deliver.  I don't pretend to be ANYTHING that I'm not.  I don't say things that aren't true about myself and/or my company.  Don't you find it interesting that NOT ONE SINGLE HOMEOWNER that filed a complaint using this forum talked about WHY they wanted to hire me to begin with?  I can promise you they left that out because anyone that would complain about me or my company are only doing so to point fingers, blame someone else for their deficiencies and irresponsible behavior.  14 months of not making a mortgage payment and it's MY FAULT you don't have a loan modification in hand?  14 months of not making a mortgage payment and it's our fault your bank is giving us the run around, making us jump through hoops?

Quite honestly, to me, you are nothing but ungrateful, irresponsible, "the world owes me everything", I work hard for nothing, kind of people.  Period.  AND YOU ARE THE REASON WE ARE STILL LOCKED IN TO THIS RECESSION.  People like you that decide to COMPLAIN instead of being more like ME, who tries to HELP!   Am I a saint?  NOPE.  Not by a long shot.  But I can assure you that I have done more to help you (and your neighbors) than you have considered in your wildest imagination of doing for yourselves.

When the world doesn't give you EXACTLY what you want, it's EVERYONE'S fault around you.  NEVER YOURS.  I would assume you are also the type of person that hears this from everyone else too.  It's their fault.  It's MY fault.  It's OUR fault.  It's never YOUR fault.

My staff is AMAZING!  I have been truly blessed with the most incredible employees any business owner could DREAM of.  Most of my clients are grateful and send me thank you letters and cards and deliver flowers and pizza's, desserts, etc...

Then there's the one's here, the blamers with unrealistic expectations...we are in the middle of a recession.  THINGS CHANGE.  DAILY!  I LOSE money every day past 90 days that you're my client.  I don't want you to be my client's forever.  Have you lost all sense of logic?  Truly?  Do you not understand that we work hard to help get you OUT OF THE MESSES YOU GOT YOURSELVES INTO?  I'm sorry that Bank of America is taking WAAAAAAY longer than ANY of us anticipated.  Does it meant that I'm suddenly a "scammer"?  Really?  OR, let's have some honesty.  Is it more because you're mad at the fact that you've made one bad financial decision after the next and your spouse looks at you every night like you're a failure...and the longer this process takes the worse you feel?  THAT I can understand.  And THAT I want to help.  Truly.  I get it!

But don't blame me because you're here in this boat.  Because had you NOT made such bad decisions...(which I had NO control over)...had the economy NOT taken a dump (which I again had NO control over)...you would NEVER have met me to begin with.  So stop blaming me for things that are WAY out of my control and grow up!

Grow up and be an adult that understands that life happens in the middle of life happening and things change beyond our hopes or expectations and we all have to stick together and roll with the punches TOGETHER...not try and punch each other out during the process.

I absolutely sleep VERY soundly at night because I know where my heart is. I know where my business partner's heart is, and I know where my staff's hearts are in this.  We are the ONLY company in Nevada that helps homeowners for free.  Yes, we charge others for certain things...but we actually provide more FREE help to most.  It's our way of giving back.  And quite frankly, I didn't know how else to do it.

I can give you a list of people that have sat across my desk and TRIED to pay me money that I wouldn't let give me a dollar...that walked out thanking me for my honesty and kindness.

Unfortunately for me, there's no forum for those people to speak.  Negative words are stronger...and it's the negativity that we crave and remember and live for. 

That's sad.  All I will say is, if you're not SCAMMING ME on this report, than step up and state your name, period.  Or grow up and stop pointing fingers.

I hired the Consumer Advocacy Group over a year ago to modify my home loan. I paid them $2500 up front... despite having heard all the warnings about paying someone to do a load mod. I was referred to this group by Bob Massi, who is pretty well-known and not likely to risk his reputation by recommending bogus operations, right?!

Supposedly they do pro bono work, and ask you to pay what you can afford. Well, at the time I had just gotten my income tax refund, and had the cash at hand...so I paid the full amount up front. They did offer to let me pay half now, half after the process was completed. I just wanted to get the process over with so I paid in full. My bad!

I understand getting a loan modification is a lengthy process with a huuuuge backlog, so I wasn't expecting an overnight miracle. But I DID expect more attention from my "case worker." Upon forking over the cash I was told that my case worker would keep in close touch with me about the status of my modification application. Over the past year-plus, I have gotten maybe two or three calls from the agency, and one of those was asking for more money to get a "Broker Price Opinion."

The rest of the time, I have to call THEM and drag information from them. I have had my case shunted from person to person and am on my third "case worker." (They didn't call me either time to tell me they were switching me to a new person... and I'd say they return about 1 out of 2 of my calls.)

Most of the time when I do reach someone, it's "Your loan is under review." Occasionally they tell me I need to submit documents, but that's usually after the bank has already contacted me via letter and I've called them and found out myself what is needed.

My beef with these people is, they don't do anything I couldn't have done myself. I'm mad at myself for paying them so much money for something I'm ending up taking care of on my own. I'm still holding out hope, because I truly got a good vibe from Kristy and the others at the office, and I really want this to work out. But I'm starting to wonder.

Kristy, I hope you do read this and contact me! Let me know what the hell is going on. I'm starting to feel like an idiot.

This is part of an investigative report on scams in the Las Vegas metro area, but I thought I should share before this company victimizes another person:

The Consumer Advocacy Group, despite various claims made by its owner Kristy Sinsara and her employees, is neither a non-profit group nor a lobbying group. The company is not registered in any local or federal registries to validate these claims, including the IRS. Additionally, Ms. Sinsara has made false claims regarding her non-profit or "foundation" status on various new media outlets such as Twitter to a variety of blogs to over-inflate the credibility of her company.

While she claims that she's filed "fraud complaints" regarding groups who have illegally asked for fees for consultation, she uses a similar tactic in asking for upfront fees that she promises to return later after results. These fees start with an initial ask of $300 to $500.

Ms. Sinsara claims to have years of experience regarding foreclosures and loan modifications, but in fact in false identity is only supported by her own posts about herself and supposed public education campaigns. 

Kristy is a ripoff artist.  She writes checks to people and then the checks bounce, this happens all the time.  I feel bad for the people that her staff recommend to stop making their mortgage payments and now are losing their homes.  I'm really suprised she is still allowed have a business.

I know nothing about the individual who is the subject of this report. I have no insight into her business practices.

But I can tell you this: most of the "supporting rebuttals" to this report are fake. They are coming from the same person or company, who was likely hired by the reportee, or is assisting the reportee to clear up this report.

I don't proclaim to be an expert in linguistics, but I do (albeit arrogantly) proclaim to have a keen eye for scammish writings. Per credentials, I point to eight years as an RoR regular, with many "mulitple posts under different names" declarations that have NEVER been disputed.

In this case, consider the following:

1) Many of the supporting rebuttals use a "double space" after each period. While this is, in some circles considered gramatically correct, it is very uncommon in actual writing, and especially so in internet posts.

If you don't understand what I'm talking about, look at the above rebuttals. Pay attention to the amount of space between each period and the next letter.

It is obvious that many of these sentences consistently use "double spaces," such as the one following this sentence.  (See?). While this may or may not be gramatically correct (the APA has recently stated that it is not), it is rarely used by those who are not highly trained in either English or Law. 

2) The supporting rebuttals, on a fairly consistent basis, misplace the letters "n" and "g" in words ending in "ing." For example, the word "supporting" would be spelled as "supportign."

This denotes that the same person is writing these rebuttals, which are logged under different user names. This person has a problem with the "N,G" sequence while typing, and it is readily apparent in these posts.

So, as I said before, I know NOTHING about the subject of this report. But I can state, with a great deal of certainty, that many of the alleged rebuttals were written by the same person. Take that information and do with it as you will.

Didn't catch the name?  What was that?  Can't recall you asking for a refund? I'm confused.  I've had 5 people in my office ask for a refund.  3 out of 5 relocated because of their jobs, so I paid them back.  1 is posted here. and the other I paid back because their bank refused to work with them as we anticipated. 

We've taken on over 450 clients.  I've had 4 complaints.  Pretty good track record if you ask me.  You're an exception.  Not the rule.  Sorry your bank failed you.  Sorry you made a hundred bad financial decisions and decided to blame everyone but yourself.

I'm done catering to the entitled irresponsible homeowner that thinks I'm their Messiah.  Want a Messiah, go to church.  I don't pull rabbits from hats.  I help people renogotiate their mortgages.  Not my fault you refuse to be honest with yourself.  Not going to get you far in life. 

Want some honesty?  come to my office and talk to me instead of hiding behind an internet site bad mouthing me because you refuse to take any responsibility for your own actions. 

I have a litany of letters and emails from happy clients I've helped.  Threatening to sue me?  Bring it.  I sleep at night just fine.  I have an army of people that would willingly stand behind my integrity.  I created the CAG so homeowners can have a forum to educate themselves and get REAL help and that's exactly what we do! 

(702) 478-5369.  It's my office number.  I'm always there. I'll be waiting...but doubt I will ever hear from you....hhhmmmm.

I was referred to the Consumer Advocacy Group in early 2009. After they failed to deliver anything they promised I did a quick Google Search and found this exchange on Ripoff Report in November.

Let me start by saying I'm no former lover, no relative, ex-employee, former dog walker, former car washer, or anything else other than a client who fell for the strong sales pitch and empty promises Kristy Sinsara and this organization made.

Based on the previous posts I'm sure someone that's one of her pals will log on and dismiss me as just some angry person who didn't take their advice, or some former employee or whatever. Not the case. I'm a client that needed help, just like you may be, and I was assured I'd get it.

After almost one year and thousands (that's four zero's people) my loan has not been modified in any way, despite promises that this process would take less than 60 days. In the end I should have done more Due Diligence on the company. The reason I didn't was because a friend I trusted fell for Kristy's song and dance, hired her, gave her $2,000 and at the time had high hopes and I latched on to his enthusiasm.

Fast forward a year and my friend is still out $2,000 and on top of that is on the verge of losing his family home. The more I dug into this company the more disturbing things I found. Often times they simply take your money, then hire a Lawyer to do your Loan Modification, then if they don't produce results they simply say, "the money was given to an Attorney, not us, sorry". You can see that very theme throughout this exchange right here on Ripoff report.

The same thing happens when you ask for money back. The Consumer Ad Group deflects to your bank, blaming them for not helping you, but it wasn't your bank you gave your hard earned money to was it?

So to recap, if you want your money back "it was given to a lawyer" and if you complain about the process taking 10 times longer than it was promised, "it's your bank's fault".

I'm sure they have actually achieved some Loan Mods for some people, but in the end they's outsourcing the work as a "Legal Referral Service" and dealing with a Lawyer you could call directly, so the Consumer Advocacy Group really never did anything but take your money.

Call the Lawyers directly and bypass these crooks. The replies from the Consumer Advocacy Group on this website crack me up. "Our company offers a 100% money back guarantee". No they do not. If they did I'd have my money back and so would my friend who referred me to them. 

Signed, Not a lawyer...not an ex, not an employee, just a ripped off client.

PS: Unlike most people on this website I used my real name, real e-mail and contact information when I registered. When I was asked upon registration if I was ok with a Lawyer contacting me regarding a Class Action or the Media contacting me I checked "yes". Bring it. I have 3 people any Attorney can contact about Class Action against this "company".   

These reports aren't true.  Kristy Sinsara is my sister.  She's the best person I know.  I haven't ever had anyone in my life help me out as much as she has or be there for me like she has.  I don't know what I would ever do without her.  She is a good person.  And she cares about her clients and has a great company.  I work for her too and can tell you for sure that she is in to her clients because she makes us all work or asses off every day to make sure we keep a good reputation.  Wow.  People are desperate these days.

Do you know how many people my sister has helped FOR FREE stay in their home ?  She does so many things for people at her expense. 

And if this is Amy J?  SIS?  What a bunch of SH(#)T.  She didn't make her house payment for like a year or something and is now blaming it on you? 

IF your a client or a friend of hers than you know more than anyone.  Kristy is a great person, boss, sister, friend.  She used to work at a law office an was working like 14 hour days.  she was stressed.  AND SHE still pushed herself to do better. 

And who wrote that other crap? the only time in her life that she as ever changed her name is when our parents got divorced.  You guys are sad. and are only trying to make her look bad because she wouldn't give in to you.

SUE these people kris.  you know who they are!!!

Ha.  I was just reading these reports about Kristy.  funny.  Let me tell who ever is reading this that I know first hand that these accusations about her are false.  If you have ever met Kristy than you would know that more than anything she is passionate about her clients and her company.  she is a great boss to work for and a great human being to know.  And I'm sending this anonymously (however you spell that) so I'm not kissing a#(.  

kristy goes above and beyond for all of her clients.  I have seen her honestly cry over clients.  The stories she hears every day break her heart. We know this because we hear all about it.  She says no is not an option.  what if it was your house?  she never lets us give up.  if there's something we can do she pushes us to do it, all. 

I know this is a client named amy.  she lost her house because she didn't make payment for like 2 whole years and then blamed it on kristy. 

oh and kristy, i don't believe the other comment here is from an ex lover.  i think it's from that very unhappy ex employee of yours that you kept trying to fire that was nothing but trouble.  this has her name all over it.  shes a very dishonest person.  but i just want to say for the record, i told you she was trouble.  trouble.  she used to lie to clients about their status and walk around the old law office saying loan modifications weren't possible?  remember her?  THAT is who wrote that.  i promise! you shoudl check into it. 

if you are reading this and are curious about kristy...let me tell you, all you have to do is know her.  she's one of the very few people in this world that honestly care about other people less fortunate.

how sad that amy tried to do this to you.  pathetic.  keep rockign it out kris.  dont' let these people stop you.

i'm proud to say you're my boss!  WAAAAY PROUD!

Some quick clarification: I am a homeowner in Long Beach, CA that has been assisted by the staff members of the CAG office in Henderson Nevada. I have and will provide documentation to prove the following:

After months of decreasing income I lost my job in July of 2007. I knew Kristy through a friend so I called her to ask if she recommended bankruptcy. She was the first person that ever told me a homeowner can contact their lender to request a renegotiated mortgage. I have an Option Arm and a HELOC that will not work as long-term options to keep the home, coupled with the bubble burst in the Real Estate Market so I was desperate for advice.

After 6 months of not being able to make my payments I was unable to get anywhere with my servicing company. (CW at the time, is now B of A) I contacted Kristy again, quite distressed this time, and told her about the experience I was having with Countrywide. She came over to my house, we called them -- with my permission she took over the call and got my formal "application" turned in over the phone within about 30 minutes.

Within a few months, at approximately the 8-months delinquent mark, an actual Loan Modification came in the mail. CW offered to reduce my interest rate in a form of step rate (3.25% for 2 years, 4.25% for 2 years, then fixed for life of loan at 5.25%.)

Unfortunately - I am an idiot and I declined the offer. We got another offer about 6 months after that, and the terms weren't as good, so I turned it down again. It has now been 23 months since I have paid the mortgage, and I am still in the property.

I have personally worked with 3 of the Senior Case Managers at Kristy's office and they have all provided outstanding customer service to me. They have listened to me cry without judgement. They have reassured me, without ever setting improper expectations. They have made it very clear that turning down the 2 modifications they obtained on my behalf was dangerous, but they have never given up on my home.

Months ago - I asked for a referral to a bankruptcy attorney and Kristy put me in touch with an awesome attorney in Los Angeles. I have had 2 consultations, and am ready to "pull the trigger" at any time if Bank of America does not approve my file for permanent financing that works with my budget. The CAG staff has postponed 8 Trustee Sale Dates in the past 2 years on my property.

I am back to work now - still living in the property and expecting daily that Bank of America is going to ignore my problem and foreclose on the home. I am ready to start making monthly payments - and have been since January 2009.

Since this is not a complaint about B of A I won't go into the long-winded details that led to this situation.  

I have referred many other homeowner's to the Consumer Advocacy Group. None have been dissapointed or felt "ripped off" by their services. I can and will provide a list if that's what is needed.

So here's the thing, both of the "complaints" on this subject appear to be from personal associates/ex-friends of Kristy's that appear to have an agenda. It seems like it should be against the law to lie about someone in print media like this. And if it's not against the law it certainly shows a lack of character and principles.

It concerns me that this website has no Mediator or Control Person to keep someone from making bold-faced lies about someone's company. To question Kristy Sinsara's integrity is absolutely ridiculous. She is one of the most powerful women I have met, and my experience has been this: When she says she is going to do something, she gets it done. Isn't that the definition of integrity?

I honestly do not believe that any of this is true. My family almost lost our home to foreclosure. My husband is deployed overseas and NO ONE would help us without making me pay thousands of dollars up front. Kristy is the only person that was willing to help us. Kristy told me that these reports were being made about her. I am disgusted by this.

And I just want all of you to know that are attempting to shut her down or ruin her reputation that if it werent for her and her company my children would be homeless.

You are actually helping the banks win by fighting against one of the only advocates fighting for us. Your selfish motives prove that Kristy is right about you. I know about 4 or 5 families that she has helped. I KNOW first hand that she is a good person. She did not make us pay anything down and helped me keep my home. And after it was done she still didnt ask for any money.

This recent post is right. You should all be ashamed of yourselves. What are you doing to help families like mine? NOTHING? Instead youd rather be selfish and actually try to hurt one of the only people out there trying to help us all. Selfish people like you disgust me. Power to you Kristy. Im sorry that you know people like this in your life.

The author of this rip off report sent me an email saying she was told by a friend that if she filed a nasty report about me on "rip off" that they would help her get money she believes I owe her.  She is an ex employee of mine.  She never stated that in her original report. 

The author is also looking for work as a realtor and going through a very hard time and difficult divorce.  Because I can look beyond her pain and know that she is truly not a bad person I will not post her name here as she has done to me.  She has two little children and is going through a contentious divorce. 

Please note that the Consumer Ad Group is a very pro consumer company and THE ONLY company in Las Vegas that actually helps consumers facing foreclosure FOR FREE.  Our pay it forward program is one of a kind.  Our mission is ONE homeowner at a time, no home left behind. 

We have literally helped HUNDREDS of Nevadan's save their homes. 

The other negative report on here is from an ex lover of mine.  I have recently discovered. 

Rip off report has always been a great site for consumers, as I believe it will remain.  It's too bad it's used in these types of cases for extortion.  Truly. 

An ex employee and an ex lover.  There should be some kind of merit established before you can attempt to ruin someone's business online. 

I to have had nothing but great experiences with the consumer advocy group.  i knew of 3 friends at work that used the company and I met kristy at a seminar she was having in vegas last may.  I paid a attorney $3500 to help me with my home last fall and they didn't do anything and my house almost got sold at a trustee sale.  Kristy stopped the trustee sale and got me out of my bad loan and into a better 30 year fixed loan at 4.63% interest.  Because I had already paid a attorney and lost so much money she didn't charge me anything at all.

i am so thankful to kristy and her company.  i just wrote a letter to them thanking them for everything they did for me and my family. 

i don't believe these people that say she ripped them off.  she helped me and my famly for free and i knw of several people she has helped here in vegas. 

I have been friends with Kristy since she was 16 years old.  it is sad that you are attempting to take advantage of her success like this.  She told me that there were people on line trying to extort money from her.  This is pathetic.  none of this is nothing but lies.

She changed her name because her paretns got divorced.  lots of peopole do that. she has had to defend herself against people like you for years.  she will come out ahead i have no doubt and you will get what you deserve. 

i don't know anything about her company but i do know that she is one of the most giving and kindest person i know.  and i know for sure about how hard it was for her dealing with having her identity stolen. i was present when she actually filed the fraud reports online.  how dare you take advantage of that kind of trauma.  you will get what is comign to you.

I agree with this most recent posting.  i too have never had anything but a positive experience with Kristy and her company.  we live in Las  Vegas and have several homes that were going into foreclosure.  The CAG helped me with every single one of them and Kristy did not charge me a dollar.  She has been nothign but kind to me mywife and our son.

I'm sorry that you are having to deal with this.  The last postman was correct.  There are websites you can go through to fix fraudulent reports about yourself and retaliate kristy. 

I was googling Kris' information because she helped me with an annulment in Oklahoma a few years ago and recently helped my aunt save her home from foreclosure in Arizona.  I was actually just looking for her contact information again.  We have tried to stay in contact with her over the years because she used to teach at a college in Oklahoma and my wife was one of her students.

My experience with Kristy has been nothing but exceptional.  My aunt is on a very limited fixed income and she helped her save her home about a year ago and did not charge us anything.   

Kristy, I'm sorry to hear that you are going through this with disgruntled clients.  There's a website that you can go to and remove false accusations about yourself. 

I hope that your other clients you have helped step up to the plate for you.  I will absolutely be here as an advocate for you.  this sucks.

I too am one of the many victims of Kristy Sinsara (whose real name is Misty McGaha alias Kristy McGaha) in the state of Oklahoma.  If you do a criminal search of her in Oklahoma (((Redacted)))you will find she is on a 10 year probation for obtaining money under false pretenses and obtaining services by forging a check (which she did by forging an attorneys signature.)  Turns out, she was wanted for grand theft embezzlement in California (for a law firm she worked at) which originally brought her to Oklahoma.  Once she was caught in Oklahoma, it seems she went to Las Vegas to continue her swindling ways.

While in Oklahoma she aligned herself with several attorneys and represented herself as a paralegal (opening a OKC Paralegals that went under)that would provide the client wit the necessary paperwork to file pro se thus costing the client lots less.  Trouble is, she took the money and never followed through with what you paid for.  I have not to this day recieved my divorce paperwork after she took me for several hundred dollars.  It would have been cheaper to just hire an attorney.  She was always good at making promises when her back was against the wall but then would disappear. Then she would she would say she would get it done only to disappear and dodge calls again.

I can not believe this company's website has video of her exclaiming she wants to help people.  I urge everyone to look at her history.  Would you really trust your home's foreclosure or your finances to someone who has embezzlement, forgery, and obtaining money under false pretenses on their record?  Maybe the news/radio segments that are on her website should focus on that.


CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

One of the most difficult things for someone in my situation to deal with is attitude from clients who try to blame us for their situation.  We did not get you into this situation.  We were just trying to help get you out of it.  And, if things don't go as you had hoped, it's not our fault.  We at the Consumer Advocacy Group have always been extraordinarily candid with our clients.  We don't lie and pretend to do and say things that can't be done.  This particular client said she paid $300 for a loan modification.  That is only testimony to our desire to truly help people and maintain reasonable fees for our services.  Although, for the record, I never received ONE dollar of this money from this particular client because she did not HIRE the Consumer Advocacy Group.  She hired a law firm in Orange County to facilitate her loan modification and when they weren't doing what she asked or expected, she asked me to take the case, which I did FOR FREE, in an attempt to help her out. 

I am saddened by this remark from this particular client because she's not actually a client at all, she's a friend, who is going through a very difficult time in her life right now and is lashing out and blaming. 

You said you called me on Sunday, September 6th. Today is Thursday, September 10th.  Oher than this four day span of no communication, I have always communicated with you within appropriate times. 

Unfortunately, this goes to show that you shouldn't do business with friends.  

Our company offers a 100% money back guarantee.  We have helped hundreds (literally) of clients help get back up on their feet financially and more so our company works with the community to help rebuild it.  We work directly with several non profit organizations.  WE ARE THE ONLY company likes ours that has a "Pay it Forward" program where you don't actually pay us for our help, for those truly in need, in return for our services, we ask that you donate your time to a city shelter instead to help those who have already been devestated by our housing crisis. 

This particular client that wrote this rip off report was (a) a disgruntled friend who is having a very difficult time right now going through a divorce and (b) NEVER a client of the Consumer Advocacy Group's. 

I'm sorry for your loss.  I will do anything that I can do to help you.  The $1k you paid for the BK was paid to an attorney.  We're not attorneys.  I can get your money back for you.  All you had to do was simply ASK!