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  1. #1
    Join Date
    Dec 2010
    Posts
    7

    Six Count action suit against Law and Associates.

    FLORIDA: On April 3, 2008, the Florida Attorney General's Office filed a Six Count action against the company and its Managing Member, Thomas E Law, for alleged violations of the Florida's Deceptive and Unfair Trade Practices Act, (Case # L07-3-1131, filed in the Circuit Court of the Sixth Judicial in and for Pinellas County, Florida). Some of the allegations against the company include:

    --Using deceptive and false advertising;
    --Failing to disclose the restrictions and prohibitions prior to collecting fees in habiting the consumer's ability to obtain a refund;
    --Failing to provide the promised services;
    --Failing to honor the money back guarantee; and
    --Offering repayment plans that were not feasible to consumers;

    These matters are still pending and for more information and details on the action, please contact the Florida Attorney General's Office at (850) 414-3990 or http://myfloridalegal.com.

    MINNESOTA: On November 14, 2008, the Minnesota Attorney General's Office filed a default judgment against the company alleging violations of Minnesota's Consumer Fraud Act (Case Number 27-CV-08-20980, filed in the District Court of the Fourth Judicial District in and for Hennepin County, Minnesota). Some of the allegations against the company include:

    -- Failing to render foreclosure services once the company paid;
    -- Making false and misleading statements;
    -- Failing to disclose the refund policy on contracts;
    -- Collecting an upfront fee for services before any services were provided; and
    -- Failing to register with the State of Minnesota in order to be able to conduct business.

    The company and its principals are enjoined from:

    -- Marketing or performing services as a foreclosure company;
    -- Offering mortgage foreclosure assistance to homeowners whose homes are in foreclosure; and
    -- Accepting payment of any kind for foreclosure services.

    The company has been ordered to make full restitution to all Minnesota residents who paid the company for foreclosure consulting services, pay the State of Minnesota $25,000 as a civil penalty and pay an additional $999.00 to the State of Minnesota for investigation and attorney's fees.
    For more information and details on the action, please contact the Minnesota Attorney General's Office at (651) 296-3353 or www.ag.state.mn.us.

    http://www.bbb.org/west-florida/busi...r-fl-90011980#


    Law & Associates, LLC

    Phone: (800) 329-9973 (Disconnected)Fax: (800) 345-4022View Additional Phone Numbers1140 Kapp Dr, Clearwater, FL 33765-2113info@lawandassociates.orgh...associates.org! There is an alert for this business !




    http://housingrecovery.org
    877-467-3595
    813.855.5443
    info@housingrecovery.org

    http://myfloridalegal.com/webfiles.nsf/WF/MRAY-7DCR73/$file/LawandAssociatesComplaint.pdf
    http://www.myfloridalegal.com/lit_ec...25736100459DBD

    Tom Law
    Asier Holdings
    13660 Wright Cir
    Tampa, Fl 33626
    7274249692
    toml@aesirholdings.com

    Thomas E Law II
    1601 Souvenir Dr
    Clearwater, FL 33755-1638
    727-424-9692 CELL
    727-442-6216

  2. #2
    Join Date
    Dec 2010
    Posts
    7

    Illinois Attorney General Sues Law And Associates

    ILLINOIS ATTORNEY GENERAL SUES 14th COMPANY FOR MORTGAGE RESCUE FRAUD

    Madigan Alleges Florida Company Takes Advantage of Homeowners
    on the Verge of Losing their Homes to Foreclosure

    Chicago Ė Illinois Attorney General Lisa Madigan today continued her aggressive legal fight against mortgage fraud ** filing a lawsuit against a Clearwater, Fla., company which operates a rescue fraud scheme that preys on vulnerable homeowners on the verge of foreclosure. This is the 14th lawsuit Attorney General Madigan has brought against mortgage rescue fraud companies.

    Madigan filed suit in Cook County against Law & Associates LLC, and its managing member, Thomas E. Law, II, alleging the defendants violated the Mortgage Rescue Fraud Act and the Consumer Fraud and Deceptive Business Practices Act ** falsely promising to help consumers save their homes after falling behind on their mortgage payments. According to the complaint, the defendants charged consumers up to $1,900 and promised to provide mortgage foreclosure rescue services that they either failed to perform the services or only performed ineffective services. Attorney General Madiganís Consumer Fraud Bureau has directly received one complaint relating to the defendant and 68 complaints referred from the Better Business Bureau.

    ďIn the midst of the mortgage foreclosure crisis, unscrupulous people are using so-called mortgage rescue scams to prey on vulnerable homeowners,Ē Attorney General Madigan said. ďI am continuing to take aggressive action against these illegal schemes to send the message that their deceptive and fraudulent practices are not welcome in Illinois.Ē

    Madiganís lawsuit alleges Law & Associates market mortgage rescue services to at-risk homeowners, encouraging them to call a toll-free number where they are told there is an upfront fee of $1,990 for mortgage rescue services. Consumers who indicate they cannot afford the charge are offered a reduced rate of $1,800 on a payment plan that must be paid in full prior to them receiving any mortgage rescue services. The defendants also promise desperate homeowners that the service fee is refundable if the company is not able to successfully negotiate an agreement with the homeownersí mortgage lenders or provide a ďviable strategyĒ to avoid foreclosure. The lawsuit alleges the defendants fail to provide the services promised and fail to refund the service fee.

    Madiganís suit asks the court to prohibit the defendants from engaging in mortgage rescue practices. The suit also seeks a civil penalty of $50,000, additional penalties of $50,000 for every violation found to have been committed with the intent to defraud, and a $10,000 penalty for each violation committed against a person 65 years or older. Further, the suit asks the court to rescind the contracts signed as a result of these deceptive practices and offer full restitution to affected consumers. Finally, Madiganís suit asks the court to order the defendants to pay all costs associated with the investigation and prosecution of the lawsuit.

    The lawsuit is part of Madiganís ongoing work to curtail the foreclosure crisis and help Illinois families stay in their homes. Madiganís office has sued 14 mortgage rescue companies to stop deceptive practices and successfully participated in three multi-state settlements against major subprime lenders: Household Finance, Ameriquest and First Alliance Mortgage Company. To date, Madiganís office has obtained nearly $900 million in enforcement actions against these lenders.

    Last year, Madigan announced a comprehensive strategy to address the looming home foreclosure crisis in Illinois. As part of this effort, Madiganís office hosted a statewide home ownership preservation summit in July 2007, bringing together more than 100 participants from the mortgage lending industry, consumer advocacy groups and government agencies to identify problems and look for solutions to mortgage foreclosures.

    On the legislative front, Madigan worked to pass the High Risk Home Loan Act of 2003, and drafted the Mortgage Rescue Fraud Act of 2006, which was designed to deter scam artists from preying on vulnerable homeowners on the verge of foreclosure. The Attorney General also initiated and drafted the Illinois Homeownership Protection Act, a new law that tightens controls on brokers and lenders to prevent consumers from being unwittingly locked into questionable loan terms.

    Madigan also has sued mortgage giant Countrywide Home Loans, Inc., for deceptive and fraudulent loan origination practices. Additionally, she has issued fair lending subpoenas to Countrywide and Wells Fargo Financial Illinois, Inc., to determine whether these companies steered African American and Latino borrowers into higher cost or otherwise inappropriate home loans in violation of fair lending and civil rights laws.

    Madigan urged Illinois homeowners who are facing foreclosure to immediately contact their mortgage company or a HUD-certified housing counselor for assistance. To get a referral to a certified housing counselor or to learn more about the steps to take to avoid foreclosure, homeowners can call Madiganís Homeownersí Referral Helpline at 1-866-544-7151 from 8 a.m. to 5 p.m. Monday through Friday.

    Homeowners also can visit Attorney General Madiganís Web site at www.IllinoisAttorneyGeneral.gov, to access the Illinois Mortgage Lending Guide, a resource manual containing step-**-step instructions for those struggling to make their loan payments and a list of HUD-certified counseling agencies that offer default counseling services. Homeowners who do not have easy access to the Internet should call the Attorney Generalís Referral Helpline to request a copy of the guide ** mail.

    Assistant Attorney General Kevin Rouse is handling the case for Madiganís Consumer Fraud Bureau.

    http://www.illinoisattorneygeneral.g.../20080828.html

    Thomas E Law II
    1601 Souvenir Dr
    Clearwater, FL 33755-1638
    727-424-9692 CELL
    727-442-6216

  3. #3
    Join Date
    Dec 2010
    Posts
    7

    LAW AND ASSOCIATES LLC claimed to be "non-profit"

    Massachusetts Halts False Foreclosure "Rescue" Activity
    Firm claimed to be "non-profit"

    June 22, 2009

    One ** one, the state of Massachusetts is targeting firms that claim they can "rescue" distressed homeowners from impending foreclosure. The Massachusetts Attorney Generals office has obtained a preliminary injunction against defendants H.O.P.E. Alliance, Inc., (H.O.P.E. Alliance), Law & Associates, LLC and Thomas E. Law, II.

    The preliminary injunction prohibits the defendants from publishing advertisements concerning foreclosure-related services, contacting Massachusetts consumers regarding foreclosures or mortgages, and taking and/or soliciting advance fees from consumers. The preliminary injunction follows a temporary restraining order granted against the defendants in early June.

    In a complaint centers on the all-too-common practice of soliciting unlawful advance fees for foreclosure-related services, and unnecessarily delayed negotiations regarding loan modifications. The two together, says Massachusetts Attorney General Martha Coakley, usually pushes homeowners further into debt.

    The complaint also alleges that H.O.P.E. Alliance, with the help of co-defendants Law & Associates, LLC, and Thomas E. Law, II, solicited homeowners facing foreclosure ** sending letters that directed them to a toll-free number and to the website www.helpnowalliance.org.

    The website states that it is an alliance of nonprofit organizations and housing counselors that can assist homeowners in obtaining a loan modification or stopping foreclosure. The website also states that it is a 501 (c) (3) non-profit organization.

    "H.O.P.E. Alliance is not registered with the IRS or the Attorney General's Office as a non-profit," Coakley said. The Attorney General's complaint also asserts that in its letter to homeowners, H.O.P.E. Alliance deceptively used a similar name to the government-sponsored non-profit organization, HOPE NOW Alliance.

    During telephone calls with consumers, defendants apparently attempted to skirt the law ** asking for a "donation" instead of a fee, but Coakley says the request is still an unlawful fee. Defendants also allegedly promised to obtain loan modifications for consumers, and then after months of delay either failed to provide any services or only provided inadequate assistance to homeowners.

    http://www.consumeraffairs.com/news0...ure_scams.html

    Thomas E Law II
    1601 Souvenir Dr
    Clearwater, FL 33755-1638
    727-424-9692 CELL
    727-442-6216

  4. #4
    Join Date
    Dec 2010
    Posts
    7

    What exactly does LAW AND ASSOCIATES ,LLC do?


    AUTHOR: Tim - Valparaiso (U.S.A.)

    Thomas, your rebuttal is not quite accurate, or rather, not quite complete.

    You are correct in that 85% of Chapter 13 debtors who are facing foreclosure will fail to meet the terms of their reorganization plan fairly soon into the game. And that should come as no surprise. The major flaw with Chapter 13 is that the debtor couldn't manage his financial affairs when he didn't have a strict regiment to follow, so how can it be reasonably expected that he will stick to the terms of the plan?

    However, Chapter 7 debtors tend to fare prettty well following a bankruptcy case. They no longer have to make many of the payments that they were making before, so more money is available to take care of mortgages and other secured obligations.The use of the term "most likely" renders your comment flawed. This is because, if there is an actual danger of a substantial amount of personal property, or any real property, becoming part of the bankruptcy estate, the debtor will not lilely file a Chapter 7 in the first place.Your statement also evinces a general misunderstanding of Chapter 7. First, one DEBT cannot be used to pay another debt. So I assume that you meant "assets" rather than "debt." Further, the "surrenduring" of secured property is but one option that is allowed for under the Code. Secured assets can be surrendered, reaffirmed, abandoned, or redeemed, each of which is a unique concept.

    So it's not entirely accurate to say that 85% of BK debtors will fail within the first 90 days. That stat is only applicable to Chapter 13.You also brought up a point about reaffirmations that isn't correct.

    I don't know how your company operates, but I am familiar with the techniques of predatory financial organizations (i.e. scouring databases for people facing foreclosures and with recent bankruptcy discharges). The report thus suggests that your outfit may fall into this camp. Could you share with us how your company solicits clients, and what you do for clients once they sign on? Also, are you a law firm or closely connected with a law firm? And if so, aren't you committing some serious ethical violations ** your manner of soliciting clients?

    And if you're not a law firm, are you advising clients to file Chapter 13 and then either preparing the petition/plan or referring the clients to a particular law firm?

    I mean no disrepsect to you or your company, I'm just curious as to the particulars, which are HIGHLY relevant to a determination as to the validity of the complaint lodged against you.I generally don't think that you have a very firm understanding of bankruptcy law. How relevant that is to your work in particular is open to question, but you are giving out grossly inaccurate comments on this forum.

    #1 Owner of Company
    False Information!!
    AUTHOR: Thomas - Clearwater (U.S.A.)


    This Is Thomas Law owner of Law & Associates, LLC. We are not a Law firm my last name is Law. We do not offer any legal advice or screen clients for any attorney.I take a very serious approach to these types of complaints. If Tammy received a letter from us she was being reported at least 90 days past due on their mortgage. Our letter would have said as much. If anybody believes a collections agent at their mortgage company they are very uneducated. Of coarse the mortgage company is going to tell a borrower that any company trying to help is a scam; Do you think they want you to know about all of your options? I would love to know what lender told you that, because slander is actionable. Nobody has ever been ripped off ** my company. ** the way when you fall out of the plan your lender gave you don't call us. I do believe this is a competitor putting false complaints up and asking for email responses.

    http://www.ripoffreport.com/attorney...orma-7cayd.htm
    Last edited by DennisM; 09-02-2011 at 04:43 AM.

    Thomas E Law II
    1601 Souvenir Dr
    Clearwater, FL 33755-1638
    727-424-9692 CELL
    727-442-6216

  5. #5
    Join Date
    Dec 2010
    Posts
    7

    Thomas E. Law, II is not an attorney in Clearwater

    LAW AND ASSOCIATES LLC, CLEARWATER FLORIDA.



    Thomas E. Law, II., so it appears this guy is not an attorney, yet is trying to capitalize on his last name and give the appearance of having the ability to do what he states.was sending out direct mail solicitations to Floridians who were going through the foreclosure process. The company offered foreclosure consulting services, but charged a large up front fee for those services, never followed through on the services, and failed to return monies despite a money back guarantee.

    As the whole world knows, Lee County, Florida is leading the nation in foreclosures. The cities in Lee County that are experiencing the highest foreclosure rate are Cape Coral and Lehigh Acres. According to the latest statistics, something like 1 in 86 homes in Lee County are in the foreclosure process, and not much is being done to fix the leak in the dam.

    Of course, with every crisis, there will be scam artists who will try to make money from the less fortunate, and there will be those that try to stop the scam artists. The Florida Attorney General, Bill McCollum, recently filed a lawsuit against a business in Clearwater, Florida for the use of unfair and deceptive practices against the public. The company named Law & Associates, LLC was sending out direct mail solicitations to Floridians who were going through the foreclosure process. The company offered foreclosure consulting services, but charged a large up front fee for those services, never followed through on the services, and failed to return monies despite a money back guarantee.

    This scam involves the company monitoring the public records for foreclosure filings. Once they obtain the names and addresses of the individuals being foreclosed upon, Law & Associates, LLC immediately starts a direct mail campaign aimed at getting the homeowner to pay the consulting fee. (Interestingly, a search of the Florida Barís website reveals that that there is no known member of the Florida Bar listed as Thomas E. Law, II., so it appears this guy is not an attorney, yet is trying to capitalize on his last name and give the appearance of having the ability to do what he states).

    Either way, the distressed homeowner is told that they have 72 hours to contact the company and when they do contact the company, they are told that they are eligible for the program, but they have to come up with a consulting fee of $1,500 to $2,000 for the company to take their case.

    If the distressed homeowners can come up with the funds, then they must sign a contract which pretty much waives the consumerís rights to have their money back. To realize the impact of this strategy, you have to realize the vulnerability of the distressed homeowners. These are good people who are desperate to save their homes, and they have probably been around the block several times with their lenders trying to get the mortgage modified or had their payments sent back to them for one reason or another, and they just want some relief.

    http://www.mortgagelawnetwork.com/20...lting-service/

    Thomas E Law II
    1601 Souvenir Dr
    Clearwater, FL 33755-1638
    727-424-9692 CELL
    727-442-6216

  6. #6
    Join Date
    Dec 2010
    Posts
    7

    Florida Debt Settlement, Inc.

    LAW AND ASSOCIATES LLC, CLEARWATER FLORIDA.

    There is no known member of the Florida Bar listed as Thomas E. Law, II.

    Thomas E. Law, II., so it appears this guy is not an attorney, yet is trying to capitalize on his last name and give the appearance of having the ability to do what he states.

    Thomas E Law II
    1601 Souvenir Dr
    Clearwater, FL 33755-1638
    727-424-9692 CELL
    727-442-6216

  7. #7
    Join Date
    Dec 2010
    Posts
    7

    Debt Settlement Law Group PA

    Debt Settlement Law Group PA


    THOMAS E. LAW II

    Thomas E Law II
    1601 Souvenir Dr
    Clearwater, FL 33755-1638
    727-424-9692 CELL
    727-442-6216

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