FLM Law Center, LLP My story is no different than yours....Woodland Hills California

I too, have been scammed by this company and filed many complaints today including one here on ripoff report. I have my doubts on the legitimacy of the post by "Keeping it Real". Since FLM Law worked on a % of home value, I find it quite interesting that you happened to have talked to the same guy "Eric" and had a home value of the exact same price as the person to which you rebutted and you had a perfectly good and valuable experience. I smell an FLM rat.

I read your rant and I just had to comment. Unlike many of the comments here, I am a satisfied customer of FLM Law Center. My wife and I contacted them in Mid December, 2008. We spoke with the same person (Eric S. at Ext: 6103). Eric was VERY informative and VERY professional. He explained to us that a loan modification was going to take anywhere from 1 month to 3 months to complete. He was very personable and addressed all our concerns. He even explained to us that his company's service was OPTIONAL and that we could try to get our lender to do the loan modification on our own if we were so inclined. We decided to hire FLM and I'm so glad we did!

In late Feb, 2009 our case manager (Justin) called to let us know that our lender agreed to modify our loan! We were able to reduce our rate from 9.875 to 5.25% and our payment dropped more than 1/2! Also, they were able to stop our foreclosure and bring our account current (we were about 36K behind when we started this process with FLM). I was able to reach Eric everytime I called and he was very good about returning calls when we missed him and left a message.

I paid them $3,495.00 in three monthly installments of $1,165.00. It was the best 3500 bucks we have ever spent.

I read your complaint carefully and felt an compelled to bring up the following points. Nothing personal here.. just trying to keep it real:

1. You seem to have agreed to the same payment plan that we did (3 monthly payments of 1,165.00/month) right? But when they called to request the 2nd payment, you refused to pay it!

2. You say that Eric was a "nice guy" and didn't indicate that you ever had a hard time reaching him.

3. You were contacted by their compliance people AND a case manager (Amber Newberry).

4. You decided to pull out of the process ONE MONTH into it... when I'm sure you were advised that a loan modification could take up to 3 months.

I'm sorry but I just don't see where you have ANY grounds to file this complaint. If anything, I think the company would be within their rights to complain against you! You agreed to a payment plan, then didn't keep up the payments (probably not too dissimilar to the way you have keept up your mortgage payments which is probably why you needed their help to begin with). You didn't have any evidence that they weren't doing the job that you DIDN'T FINISH PAYING THEM TO DO.. and then, you pulled out early and slandered them in an open forum.

I'm asking myself: Where is your motivation? Are you just trying to get your refund? I'm sure the company will refund your money and if they don't, at least they got paid for the months worth of work that they did on your behalf before you pulled-out early. If you are trying to keep other homeowners away from FLM, I hope this site posts this reply because without them, we would have lost our home and would be on the street right now!

To everyone else: If you are struggeling with a mortgage, call your mortgage company to see if they will work with you. If they won't, give Federal Loan Modification a call and if you are lucky, Eric will be the person on the other end of the line.