Report: #476114

Complaint Review: Velahos Law/ The National Foreclosure Consultants Group/ Hope 4 Solutions - Woodbury New Jersey

  • Submitted:
  • Updated:
  • Reported By: Mt. Laurel New Jersey
  • Velahos Law/ The National Foreclosure Consultants Group/ Hope 4 Solutions 49 Newton Ave Woodbury, New Jersey U.S.A.

Velahos Law/ The National Foreclosure Consultants Group/ Hope 4 Solutions Beware of scam artists Woodbury New Jersey

* : Joe and Chris Foti

* : Joe and Chris Foti


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Do not use this company. They will never give you your money back once they have it. First of all they are operating illegally. In order to have a modification company in the state of NJ you must be a nonprofit with a debt adjusters license...end of story. Don't get sucked into "it's an attorney owned company". That means absolutely nothing. Eftem Velahos does not get involved in your modification. How do I know this...I used to work there.

They hire a bunch of fast talking guys who don't know anything about the mortgage business to call people on the phone. they make promises that odds are won't be met. Files are not being worked on and people are losing their homes. I had a client that got foreclosed on and didn't even know it. they thought their modification was being worked on by Melissa Fischer. Just for your information, Melissa Fischer is the step daughter of Brian Mammiccio the owner of New Hope Modification Company that was shut down by the Attorney Generals office.

http://www.nj.gov/oag/newsreleases09/pr20090312a-New-Hope-Complaint.pdf check this out or google his name.

When the homeowner called Melissa to find out what was going on after she just received a call from an asset company asking for the keys to her house because she was foreclosed on, Melissa wouldn't even get on the phone with her. She then called asking for Eftem Velahos, the attorney/owner of the company. Now you think he would call her back right????? NOT! She finally got Melissa on the phone who was very sarcastic to her and could care less that this woman with a sick child just lost her home. What kind of person could be so heartless? By the way all Melissa Fisher had to do was call the Trustee and ask for and extension on the Trustee Sale, giving the lender time to work out the modificaiton for the homeowner. Something so simple that could have saved this families' home.

They pulled money out of homeowner's accounts before the due date causing the home owner's major overdraft charges on several occasions. They took money out of people's account without have any of the homeowner's paperwork. Then when the homeowner's decided to cancel they refused to give them back there money. They had no file, no paperwork, no time spent working on the file and don't want to refund the money. How do you explain this??? They tell them to call me for a refund that I have their money. Bottom line is do the right thing and you never have to worry about people complaining. Become greedy then you get complaints filed against you.

I feel the need to post this especially since I receive constant phone calls from the homeowners i so regretfully got involved with this company seeking assistance from me because they get zero response from people at the national foreclosure consultants group. They call their lenders to only find out the paperwork was never sent in and the company refuses to give refunds to the homeowners when they demand a refund.

If you are having trouble with this company contact the better business bureau of NJ and file a complaint. Also contact Joe Iasso at the Attorney General's Office in NJ. at 973.792.4237 to file a complaint. Be sure that if you are going to use a modification company that the money is held in escrow until you are modified and that there is a 100% money back guarantee.

You also have up to 60 days to dispute the charges with your bank so that your bank may reverse the charges.

If you are currently in a modification process with this company I advise that you call on a weekly basis to get updates and email them often. Make sure that you call your lender to make sure that they have all your paperwork and that you are in the modification process. Remember there are no guarantees for a modification and they can not guarantee you rates it is up to your lender. Stay on top of them and even then you are still at risk of falling through the cracks. I wish you all the luck.


Mt. Laurel, New Jersey

This report was posted on Ripoff Report on 08/03/2009 05:17 PM and is a permanent record located here: https://www.ripoffreport.com/reports/velahos-law-the-national-foreclosure-consultants-group-hope-4-solutions/woodbury-new-jersey-08096/velahos-law-the-national-foreclosure-consultants-group-hope-4-solutions-beware-of-scam-a-476114. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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Joe and Chris Foti

AUTHOR: Beth Sawyer - (USA)

POSTED: Tuesday, August 25, 2009

I felt the need to come back on here and clarify some things.  I want to prove even more what LIARS these employees are at the National Foreclosure Consultants Group.  They stated that they had a $90,000.00 mortgage rescinded for me and that I own my home free and clear thanks to them.

LIARS! LIARS! LIARS!  These so called men of G-d are stating blatant lies! First of all I don't own my home free and clear not even close and it was the 2ND mortgage that Mike Barker an Ex Employee had rescinded for $75,000.  Don't flatter yourself boys you had nothing to do with but of course you would try to take the credit and exaggerate the outcome.  Typical.

And secondly I wish I would have been terminated by you morons so then I could have collected unemployment... at least those checks wouldn't have bounced unlike my payroll checks.

Tell Eftem that I think it is really manly of him that he called and cursed out a customer who got foreclosed on... thanks to your lack of performance... because she turned him into the Better Business Bureau. 

People think twice before using this company, call the Better Business Burea and see how many complaints have been filed against this company just this month alone.

Thanks Joe and Chris for making this so easy for me.  Remember I have nothing to hide I put my name and number out there.  Y ou on the other hand "Reality  Williamstown"...cute guys.  (((Redacted)))

<font color="red"><a href="/whyedited.asp" target="why"> 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. </a></font>

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Joe and Chris Foti

AUTHOR: Beth Sawyer - (USA)

POSTED: Sunday, August 23, 2009

Joe and Chris,

Boys, Boys, Boys.  I am advising you to be very careful about slandering my name on the internet as I will pursue to press charges against you and The National Foreclosure Consultants Group/ Hope 4 Solutions/ The Velahos Law Firm.

I will be glad to get Mandy,Tom Len, Lisa, Mike Barker and numerous other ex employees to post their negative experiences with your company.


First of All MIKe Barker got my mortgage rescinded not any of you or Eftem.  You remember Mike the guy who stood by Eftem's side and Eftem screwed him over royally. Then Eftem had the audisity to send Mike a threatening email 3 weeks ago saying he was going to press criminal charges against Mike for doing so.  That he found out from the Attorney General's office that Mike modified my loan....that's so funny! Push me boys and I will post the email.  I am tired of the threatening phone calls from Reps from your company calling on Eftem's behalf telling me that if I don't have my customers take down the bad posts about your company he will  lie and press charges saying I stole files from the office.  I NEVER STOLE ANYTHING FROM YOUR OFFICE. Typical Eftem not man enough to do his own dirty work, he puts you lackies up to it...Pathetic. You are a bad group of guys and you know where this company is heading,  Especially since the two of you use to work for NEW HOPE.  You two know it better than anyone.

I was not let go due to lack of performance.  You shut off our leads after Lisa, Tom, Mandy and Len all went to Eftem to complain about a manager being under the influence of drugs. Who got fired and is now back working for you...DISGUSTING! It was our "payback"  We all left after realizing what a bunch of scumbags you guys are.  The fact that you tell customers that you are a man of G-d...please you better hope G-d is there for you.

Stop hiding behind these childish emails., Let's sit down with the Attorney General's office and discuss everything.  I have nothing to hide and I am not scared of you little boys or Eftem Velahos who has the nerve to call himself an attorney.

Let me know when you are ready to "man up" and I will be glad to have my attorney call you to set up an appointment with the AG's office.  I will be sure to bring copies of my bounced pay roll checks  and the list of customers who have called me to complain about your lack of performance. 

So JOe and Chris Foti don't hide behind an email. Or if you want to go back and forth on rip off report so be it.  I will be glad to have everyone who has contacted me with complaints post them on this website.

You should be focusing your time an energy on getting peoples mortgages modified who have paid for it and not attacking me on some website.  And refund the money that was promised to people if you couldn't get them modified.  REMEMBER THE 100% MONEY BACK GUARENTEE POLICY!!! I have copies of the contracts and emails if you need to be reminded. YOU ARE A BUNCH OF CROOKS.  PAY BACK THE POOR SOULS THAT I GOT INVOLVED WITH YOUR COMPANY MINUS MY COMMISSION, I WILL PERSONALLY SEND THEM BACK MY COMMISSION.   There no more excuses Joe, Chris or Eftem.

Anyone wants to call me here is my number 856.625.4949.




Beth Sawyer

Ex employee

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#1 UPDATE Employee


AUTHOR: Reality - (U.S.A.)

POSTED: Thursday, August 06, 2009
Anyone can go on this site and SLANDER a company! For example former employees!!!! This company was so good to you! Explain to people how you had a 90,000 dollar mortgage wiped away and you owe nothing on your house thanks to this company! How does it feel to walk around knowing you own your home out right! We are sorry that your Job performance was not up to par and had to let you go! But, that does not give you the right to trash this company! God bless you and we forgive you!!
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