GUARDIAN ADVOCATE GROUP loan modification scam. You pay them up front and then they take your money and run Mamaroneck, New York

These statements are so outlandish and slanders. Mike Luchen who I have known for many years has always helped people and has had a great job as a Realtor. These remarks are from former upset non employees who stole from Mike Like Kieth Stiles a mortgage guy and a Gregg Schwack who stole thousands from him took control over the company, Mike didn't even know what was going on. For someone to write something about someone who is great and cares so much about people just to hurt is online presents is despicable and what goes around comes around and I am sure those two will pay for those mistakes sometime at least I hope they do. Mike lost alot cause these two individuals stole so much money from him as he lost everything cause of them, I hope Gregg Schwack and Kieth Stiles is found out and punished how they should be.

   You are not too knowledgeable, people, and especially attorneys do not work for free. You get what you pay for, and if you think these gov. programs will help, READ THIS=
Under HAMP, borrowers apply for modifications through their mortgage servicers, which receive incentive payments from the government for changing the terms of eligible mortgages to lower monthly bills. If accepted into the program, homeowners enter a three-month trial period. To expedite the process, servicers are allowed to begin the trial period without official income information. After the homeowner successfully completes the trial period, though, the servicer must use official documentation, which could lead to recalculating the monthly mortgage bill and a fluctuation in price. If all goes well, the result is a 5-year loan modification that is supposed to help beleaguered borrowers keep their homes.
But 500,000 three-month test runs don't translate into 500,000 rescued homeownersfar from it. Here are a few scenarios that illustrate why: John Doe could miss a payment during the trial period and get kicked out of HAMP. Sally Smith, on the other hand, could complete the trial period, only to receive higher payments she can't afford when her permanent modification is recalculated, forcing her into default. Finally, Jane Jones could last two or three years in HAMP, but suffer some form of financial hardshipa medical emergency, bankruptcyand wind up in jeopardy of foreclosure once again. Each of these borrowers would be included in the half-million figure Geithner cited, but ultimately HAMP would have failed them.
Joseph Smith II, the president and CEO of Default Mitigation Management, a private loan negotiation and technology company, estimates that about half of the trial modifications won't become permanent ones. And a significant percentage of permanent modifications will also fail, he adds. The Treasury's half-million figure, Smith says, "is political spin."
According to the COP, HAMP's initial results have been underwhelming. As of Sept. 1, the panel reported, the program had resulted in just over 1,700 modificationsa sliver of the millions of mortgages on the brink of foreclosure. And as the watchdog's report points out, those permanent modifications hardly guarantee long-term success.
Whats more, the COP report says that HAMP is ill-suited to help the kinds of homeowners facing foreclosure in the near future. Housing experts and government officials predict a new wave of defaults on so-called payment option adjustable rate mortgageswhich allow borrowers to initially make low, often interest-only, loan payments before payments adjust, resulting in monthly bills that can double or tripleand other risky loans that are set to jump in price in the coming months. But as the COP points out, HAMPs guidelines could exclude many homeowners with these types of mortgages, leading the watchdog to conclude that "HAMP is targeted at the housing crisis as it existed six months ago, rather than as it exists right now."
Already the Treasury has revised its outlook on how many modifications the program will provide. Where initially HAMP was expected to aid between 3 and 4 million homeowners, now the agency says it will modify at most 2.6 million mortgages at an estimated cost of $43 billion. Even if it succeeds in reaching this target, this effort will help only a fraction of the 13 million homeowners expected to wind up in foreclosure in coming years.
HAMP's shortcomings have led to rumblings in Washington about reviving the process of modifying mortgages in bankruptcy courts, known as "cramdown." The Senate killed such an effort earlier this year and the mortgage industry is bitterly opposed. Both Sen. d**k Durbin (D-Ill.), the Majority Whip, and Rep. Barney Frank (D-Mass.), chairman of the House Financial Services Committee, have expressed concern with HAMP and support for cramdown. Without specifically mentioning court-negotiated modifications, the COP's report exhorts the Treasury to "consider whether new programs or program enhancements could be adopted" to recalibrate its foreclosure prevention strategy. Either way, it'll take more than rosy statistics to rescue the millions of homeowners barely holding on.

Good luck getting something for nothing !!!!!!!!!!  Typical surfer dude stoner.

I thought this shocking information might help you in your complaints...Mike Luchen is also Michael Yeninas (he changed his name after the below scam)  READ BELOW ARTICLES
  DAILY NEWS ARTICLE - FYI
TWO MEN CHARGED IN $1M GROUND ZERO SCAM
By HELEN PETERSON DAILY NEWS STAFF WRITER
Friday, November 22th 2002, 7:10AM
Two men are accused of bilking scores of elderly investors out of more than $1 million in a World Trade Center-related scam, authorities said yesterday.
The suspects, Vladislav Tartakovsky and Michael Yeninas, allegedly talked at least 70 elderly people into investing in a company that supposedly provided short-term financing to businesses working on the Ground Zero cleanup.
Instead, federal prosecutors said, the pair pocketed most of the money and provided no financing to companies working at the site.
Manhattan U.S. Attorney James Comey said the two preyed on inexperienced, elderly investors "and conned them into thinking they would make a quick buck and at the same time help finance the cleanup at Ground Zero."
"These actions are reprehensible and a slap in the face to those who worked diligently to restore lower Manhattan," Comey said.
Prosecutors identified Tartakovsky, 32, of Fair Lawn, N.J., as president of Ardian Finance Group, in Long Island City, Queens, and Yeninas, 28, of Mamaroneck, Westchester County, as a registered broker at Castle Securities.
According to an indictment filed in Manhattan Federal Court, the alleged scam operated between the fall of 2001 and September 2002.
The two allegedly ran a boiler-room operation in which they cold-called investors, using high-pressure sales tactics, and offered them a chance to buy low-priced stock in anticipation of an initial public offering that would multiply their investment.
There never was an IPO, according to court papers, which accuse the suspects of misappropriating $1 million of the approximately $1.5 million they collected.
NY POST ARTICLE FROM NOVEMBER 2002 - FYI
FEDS: PAIR HIT ELDERLY IN 9/11 CON
JOHN LEHMANN
Posted: 12:00 AM, November 22, 2002
Two coldhearted fraudsters tried to cash in on Sept. 11 by pressuring elderly New Yorkers to invest their savings in a bogus company they claimed was financing Ground Zero recovery operations, feds said.

Michael Yeninas, 28, and Vladislav Tartakovsky, 32, who ran a "boiler room" operation in Long Island City, cold-called older, inexperienced investors and conned them into buying shares in their company, Ardian Finance Group, Manhattan U.S. Attorney Jim Comey charged yesterday.
They told investors they would "make a quick buck and at the same time help finance the cleanup at Ground Zero," Comey said.
But it turned out that the pair cleaned out their investors - to the tune of $1.5 million, authorities said. Tartakovsky allegedly withdrew about $1 million in cash or checks in little over a year. It's not clear what happened to the rest.
The con artists sold shares in Ardian, even though the securities hadn't been registered with the Securities Exchange Commission, court papers say.
"These actions are reprehensible and a slap in the face to those who worked diligently to restore lower Manhattan," Comey said.
Yeninas, of Mamaroneck in Westchester County, and Tartakovsky, of Fair Lawn, N.J., were indicted on conspiracy to commit securities fraud and securities fraud.
They face up to 10 years in prison if convicted.
 
UPDATE OCTOBER 2009:   
On 8-16-2004 Michael S. Yeninas changed his name legally to Michael Luchen in Westchester County, obtain a real estate license and began a career in real estate sales.   
Mr. Luchen of Rye Brook NY worked as a real estate broker for Coldwell Banker Residential Brokerage in White Plains . (see:   www.westchesterrealestateny. com )
He also created an image of great success and lived a lavish lifestyle that included driving his clients in a Bentley automobile.  
He also was a owner / founder of Guardian Advocate group, a loan modification company and acted as the companies CEO ( www.guardianmods.com ).
Mike Luchen (aka Michael Yeninas) has very recently been sent to prison and Coldwell Banker has dropped his license.