LAW AND ASSOCIATES took my money and that you would help us out of foreclosure

[dennism]

Written by Sharon on October 21, 2008

This message is to Law and Associates. You want facts. I have emails that thankfully I have saved from your company. You took my money saying that you would help us out of a foreclosure and then after we paid the money was told that you could not help. Oh and of course, you did not respond to request for money return. On top of it all, you referred me to someone else who could help out "National Homeowners Financial" (foreclosure rescue scam). Which scammed us out of more money and your employeed (who referred us) got a 1500.00 kick back from National Homeowners Financial. How convienent. Needless to say, we lost our home because of all this and National Homeowner Financial is out of business. So if you want to talk facts, feel free to email me at smcglynn123@comcast.net. And believe you me, I am not done yet!




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.nsf/mortgage/2FD0DEB170CCBE348525736100459DBD

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

[dennism]

http://answers.yahoo.com/question/index?qid=20060627100921AAe1Vxx

Has anyone had trouble with law & associates,llc in Clearwater,FL?
I have paid them and they have yet to do anything for me. They haven't even contacted

my lender. I wrote them a letter to refund the money I gave them on the basis of

misleading & no doing what i paid them for. if anyone has been dealing with them

please let me know your outcome. All I want is my money back.any advice would be

appreciated.What are the chances that I'll get my money back?


http://myfloridalegal.com/webfiles.nsf/WF/MRAY-7DCR73/

$file/LawandAssociatesComplaint.pdf
http://www.theloanmodificationbureau.com/black-list-state/florida/105-law-a-

associates-llc-thomas-e-law-ii-
http://www.myfloridalegal.com/lit_ec.nsf/mortgage/2FD0DEB170CCBE348525736100459DBD
http://www.corporationwiki.com/Florida/Clearwater/thomas-law-P2747190.aspx
http://www.theattorneydatabase.com/FL/Clearwater/964137/
http://www.merchantcircle.com/business/Law.And.Associates.Inc.727-443-1482

 

THOMAS E. LAW II
LAW AND ASSOCIATES LLC.

1140 Kapp Dr
Clearwater, FL 33765

3274 BEAVER DR
CLEARWATER,  FL  33761-2200


727-443-1482
727-424-9692 PERSONAL CELL

[dennism]

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.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.LAW AND ASSOCIATES LLC, CLEARWATER FLORIDA.

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 Bar’s 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 consumer’s 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/2008/04/29/florida-attorney-general-sues-foreclosure-consulting-service/

Florida Debt Settlement, Inc.TAMPA FLORIDA

Aesir Holdings Inc.TAMPA FLORIDA

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

[dennism]

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 – Illinois Attorney General Lisa Madigan today continued her aggressive legal fight against mortgage fraud by 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 by 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 Madigan’s Consumer Fraud Bureau has directly received one complaint relating to the defendant and 68 complaints referred from the Better Business Bureau.

“In the midst of the mortgage foreclosure crisis, unscrupulous people are using so-called mortgage rescue scams to prey on vulnerable homeowners,” Attorney General Madigan said. “I 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.”

Madigan’s 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 homeowners’ mortgage lenders or provide a “viable strategy” to avoid foreclosure. The lawsuit alleges the defendants fail to provide the services promised and fail to refund the service fee.

Madigan’s 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, Madigan’s 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 Madigan’s ongoing work to curtail the foreclosure crisis and help Illinois families stay in their homes. Madigan’s 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, Madigan’s 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, Madigan’s 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 Madigan’s Homeowners’ Referral Helpline at             1-866-544-7151       from 8 a.m. to 5 p.m. Monday through Friday.

Homeowners also can visit Attorney General Madigan’s Web site at www.IllinoisAttorneyGeneral.gov, to access the Illinois Mortgage Lending Guide, a resource manual containing step-by-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 General’s Referral Helpline to request a copy of the guide by mail.

Assistant Attorney General Kevin Rouse is handling the case for Madigan’s Consumer Fraud Bureau.

http://www.illinoisattorneygeneral.gov/pressroom/2008_08/20080828.html

Florida Debt Settlement, Inc.TAMPA FLORIDA

Aesir Holdings Inc.TAMPA FLORIDA

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

[dennism]

My granddaughter also was caught up by this company. She was behind in house payments, found this company from an ad online and contacted the Law and Associates, LLC in Clearwater, FL..
She was told she needed to send in near to $1600 and they would help her save her home from foreclosure.

After they received all their money, they didn't want to talk with her anylonger. She has the calls from her cell phone bill to show the dozens of times she called, only to leave a message or the response to her was " I"ll get right back to you." Nothing, they didn't contact the bank, they didn't help her except to take her money. Now she is out on the street, thank you Law and Associates, for doing what you said you would do to protect her home for her and baby. NOT!!
You should be ashamed and you should go directly to jail and not collect any more money. And to tell her after she lost her home, "Well, you better file bankruptcy."

Such people to mislead the young and older generation into thinking you will help them? You have helped so much now. I hope you are all happy, and yes, you need to return her money. Like right now? You are going to be talked about to the Attorney Generals Office from the state of Florida. Maybe they will be able to shed some light for you on the ways and wherefores of fraud and theft.
Maybe we can even get a class action law suit to help convince you of your wrong doing.

I see these complaints piling up and you refuse to make things right.You should not be in business and also why have you not responded to the bbb to answer and resolve my complaint?I still have yet to see the written proof of the work i paid you for.Also one last thing...my husband never talked to you so go ahead and tell more lies!If you were really concerned about your company's reputtation then you would settle my complaint once and for all along with the others that have posted on here

Have a wonderful day now.
A disgruntled granny.


Florida Debt Settlement, Inc.TAMPA FLORIDA

Aesir Holdings Inc.TAMPA FLORIDA

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

[dennism]

THOMAS E. LAW II

[dennism]

My granddaughter also was caught up by this company. She was behind in house payments, found this company from an ad online and contacted the Law and Associates, LLC in Clearwater, FL..
She was told she needed to send in near to $1600 and they would help her save her home from foreclosure.

After they received all their money, they didn't want to talk with her anylonger. She has the calls from her cell phone bill to show the dozens of times she called, only to leave a message or the response to her was " I"ll get right back to you." Nothing, they didn't contact the bank, they didn't help her except to take her money. Now she is out on the street, thank you Law and Associates, for doing what you said you would do to protect her home for her and baby. NOT!!
You should be ashamed and you should go directly to jail and not collect any more money. And to tell her after she lost her home, "Well, you better file bankruptcy."

Such people to mislead the young and older generation into thinking you will help them? You have helped so much now. I hope you are all happy, and yes, you need to return her money. Like right now? You are going to be talked about to the Attorney Generals Office from the state of Florida. Maybe they will be able to shed some light for you on the ways and wherefores of fraud and theft.
Maybe we can even get a class action law suit to help convince you of your wrong doing.

I see these complaints piling up and you refuse to make things right.You should not be in business and also why have you not responded to the bbb to answer and resolve my complaint?I still have yet to see the written proof of the work i paid you for.Also one last thing...my husband never talked to you so go ahead and tell more lies!If you were really concerned about your company's reputtation then you would settle my complaint once and for all along with the others that have posted on here

Have a wonderful day now.
A disgruntled granny.


Florida Debt Settlement, Inc.TAMPA FLORIDA

Aesir Holdings Inc.TAMPA FLORIDA

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

[dennism]

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 – Illinois Attorney General Lisa Madigan today continued her aggressive legal fight against mortgage fraud by 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 by 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 Madigan’s Consumer Fraud Bureau has directly received one complaint relating to the defendant and 68 complaints referred from the Better Business Bureau.

“In the midst of the mortgage foreclosure crisis, unscrupulous people are using so-called mortgage rescue scams to prey on vulnerable homeowners,” Attorney General Madigan said. “I 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.”

Madigan’s 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 homeowners’ mortgage lenders or provide a “viable strategy” to avoid foreclosure. The lawsuit alleges the defendants fail to provide the services promised and fail to refund the service fee.

Madigan’s 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, Madigan’s 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 Madigan’s ongoing work to curtail the foreclosure crisis and help Illinois families stay in their homes. Madigan’s 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, Madigan’s 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, Madigan’s 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 Madigan’s Homeowners’ Referral Helpline at             1-866-544-7151       from 8 a.m. to 5 p.m. Monday through Friday.

Homeowners also can visit Attorney General Madigan’s Web site at www.IllinoisAttorneyGeneral.gov, to access the Illinois Mortgage Lending Guide, a resource manual containing step-by-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 General’s Referral Helpline to request a copy of the guide by mail.

Assistant Attorney General Kevin Rouse is handling the case for Madigan’s Consumer Fraud Bureau.

http://www.illinoisattorneygeneral.gov/pressroom/2008_08/20080828.html

Florida Debt Settlement, Inc.TAMPA FLORIDA

Aesir Holdings Inc.TAMPA FLORIDA

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

[dennism]

My granddaughter also was caught up by this company. She was behind in house payments, found this company from an ad online and contacted the Law and Associates, LLC in Clearwater, FL..
She was told she needed to send in near to $1600 and they would help her save her home from foreclosure.

After they received all their money, they didn't want to talk with her anylonger. She has the calls from her cell phone bill to show the dozens of times she called, only to leave a message or the response to her was " I"ll get right back to you." Nothing, they didn't contact the bank, they didn't help her except to take her money. Now she is out on the street, thank you Law and Associates, for doing what you said you would do to protect her home for her and baby. NOT!!
You should be ashamed and you should go directly to jail and not collect any more money. And to tell her after she lost her home, "Well, you better file bankruptcy."

Such people to mislead the young and older generation into thinking you will help them? You have helped so much now. I hope you are all happy, and yes, you need to return her money. Like right now? You are going to be talked about to the Attorney Generals Office from the state of Florida. Maybe they will be able to shed some light for you on the ways and wherefores of fraud and theft.
Maybe we can even get a class action law suit to help convince you of your wrong doing.

I see these complaints piling up and you refuse to make things right.You should not be in business and also why have you not responded to the bbb to answer and resolve my complaint?I still have yet to see the written proof of the work i paid you for.Also one last thing...my husband never talked to you so go ahead and tell more lies!If you were really concerned about your company's reputtation then you would settle my complaint once and for all along with the others that have posted on here

Have a wonderful day now.
A disgruntled granny.


Florida Debt Settlement, Inc.TAMPA FLORIDA

Aesir Holdings Inc.TAMPA FLORIDA

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

[dennism]

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 – Illinois Attorney General Lisa Madigan today continued her aggressive legal fight against mortgage fraud by 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 by 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 Madigan’s Consumer Fraud Bureau has directly received one complaint relating to the defendant and 68 complaints referred from the Better Business Bureau.

“In the midst of the mortgage foreclosure crisis, unscrupulous people are using so-called mortgage rescue scams to prey on vulnerable homeowners,” Attorney General Madigan said. “I 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.”

Madigan’s 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 homeowners’ mortgage lenders or provide a “viable strategy” to avoid foreclosure. The lawsuit alleges the defendants fail to provide the services promised and fail to refund the service fee.

Madigan’s 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, Madigan’s 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 Madigan’s ongoing work to curtail the foreclosure crisis and help Illinois families stay in their homes. Madigan’s 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, Madigan’s 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, Madigan’s 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 Madigan’s Homeowners’ Referral Helpline at             1-866-544-7151       from 8 a.m. to 5 p.m. Monday through Friday.

Homeowners also can visit Attorney General Madigan’s Web site at www.IllinoisAttorneyGeneral.gov, to access the Illinois Mortgage Lending Guide, a resource manual containing step-by-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 General’s Referral Helpline to request a copy of the guide by mail.

Assistant Attorney General Kevin Rouse is handling the case for Madigan’s Consumer Fraud Bureau.

http://www.illinoisattorneygeneral.gov/pressroom/2008_08/20080828.html

Florida Debt Settlement, Inc.TAMPA FLORIDA

Aesir Holdings Inc.TAMPA FLORIDA

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

[dennism]

My granddaughter also was caught up by this company. She was behind in house payments, found this company from an ad online and contacted the Law and Associates, LLC in Clearwater, FL..
She was told she needed to send in near to $1600 and they would help her save her home from foreclosure.

After they received all their money, they didn't want to talk with her anylonger. She has the calls from her cell phone bill to show the dozens of times she called, only to leave a message or the response to her was " I"ll get right back to you." Nothing, they didn't contact the bank, they didn't help her except to take her money. Now she is out on the street, thank you Law and Associates, for doing what you said you would do to protect her home for her and baby. NOT!!
You should be ashamed and you should go directly to jail and not collect any more money. And to tell her after she lost her home, "Well, you better file bankruptcy."

Such people to mislead the young and older generation into thinking you will help them? You have helped so much now. I hope you are all happy, and yes, you need to return her money. Like right now? You are going to be talked about to the Attorney Generals Office from the state of Florida. Maybe they will be able to shed some light for you on the ways and wherefores of fraud and theft.
Maybe we can even get a class action law suit to help convince you of your wrong doing.

I see these complaints piling up and you refuse to make things right.You should not be in business and also why have you not responded to the bbb to answer and resolve my complaint?I still have yet to see the written proof of the work i paid you for.Also one last thing...my husband never talked to you so go ahead and tell more lies!If you were really concerned about your company's reputtation then you would settle my complaint once and for all along with the others that have posted on here

Have a wonderful day now.
A disgruntled granny.


Florida Debt Settlement, Inc.TAMPA FLORIDA

Aesir Holdings Inc.TAMPA FLORIDA

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

[dennism]

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 – Illinois Attorney General Lisa Madigan today continued her aggressive legal fight against mortgage fraud by 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 by 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 Madigan’s Consumer Fraud Bureau has directly received one complaint relating to the defendant and 68 complaints referred from the Better Business Bureau.

“In the midst of the mortgage foreclosure crisis, unscrupulous people are using so-called mortgage rescue scams to prey on vulnerable homeowners,” Attorney General Madigan said. “I 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.”

Madigan’s 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 homeowners’ mortgage lenders or provide a “viable strategy” to avoid foreclosure. The lawsuit alleges the defendants fail to provide the services promised and fail to refund the service fee.

Madigan’s 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, Madigan’s 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 Madigan’s ongoing work to curtail the foreclosure crisis and help Illinois families stay in their homes. Madigan’s 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, Madigan’s 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, Madigan’s 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 Madigan’s Homeowners’ Referral Helpline at             1-866-544-7151       from 8 a.m. to 5 p.m. Monday through Friday.

Homeowners also can visit Attorney General Madigan’s Web site at www.IllinoisAttorneyGeneral.gov, to access the Illinois Mortgage Lending Guide, a resource manual containing step-by-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 General’s Referral Helpline to request a copy of the guide by mail.

Assistant Attorney General Kevin Rouse is handling the case for Madigan’s Consumer Fraud Bureau.

http://www.illinoisattorneygeneral.gov/pressroom/2008_08/20080828.html

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