i am losing my house because i got ripped off from fake company, how i can convince the bank for help?

Asked by Sacha, Mays Landing, NJ Mon Mar 16, 2009

since October of 2008 i haven't paid my mortgage, i got lay off on November same year, i don't make the same money and i have credit card's debts, my bank don't want to help me because the think that i don't care, but the company that was supposedly helping me , never did any paper work.and i gave them $2100 was going to my loan. i have received the foreclosure papers, i don't know what to do, and i don't truth nobody, plus no money.

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Jeffrey’s answer
Jeffrey, Home Buyer, New Jersey
Tue Jun 28, 2011
This sounds like a classic scam artist that bilked you out of your money. They're all over. Never, I repeat NEVER do business with any company that asks you for some sort of fee, or who says they'll take over your mortgage. They're out to screw you. You can read more about this here:

Jeff Demos
0 votes
Matthew & Ri…, Agent, Northfield, NJ
Tue Mar 17, 2009
Hi Sacha,

I am sorry to hear about your situation. I agree with my colleagues that the best advice will be to contact an attorney. If you don't have money I would suggest looking in to the free legal services as already mentioned by my colleagues. I wish you the best in resolving your situation.

Web Reference:  http://havilandgroup.net
0 votes
Larry Sarlo, Agent, North Wildwood, NJ
Tue Mar 17, 2009
There are so many scams out thee that target so many people. Unfortunately people in need of financial help are not immune. They claim to provide services to those in need and only take money form them. Debt help and mortgage help has received so much attention these days and these people are targets for quick money.

The attorney general has been investigating companies that claim they are part of the Hope program and are not. they have similar names.
For instance here is a company in Cherry Hill and Bellmawr NJ that has some press :
There are phone numbers also that will provide so aistance in the articles.




I hope you can the help you need. Seek out legal assistance also. In your area look to your county for legal aid and services
Cape-Atlantic Legal Services
26 S. Pennsylvania Ave., 1st Floor
P.O. Box 58
Atlantic City, NJ 08404
Fax 609-345-6919
0 votes
Laura Gianno…, Agent, Manahawkin, NJ
Tue Mar 17, 2009
If you feel that you have an issue with predatory lending or misrepresentation from a mortgage work out group, contact NJ Legal Services at 888-576-5529. Legal Services of NJ provides legal representation to low-income New Jersey homeowners. Homeowners regardless of income level may file a complaint with the NJ Department of Banking and Insurance by calling 800-446-7467.

The Hope Hotline 1-888-995-HOPE offers free, confidential help and assistance to homeowners with mortgage problems 24 hours a day / 7 days a week in English and Spanish..

Laura Giannotta
Keller Williams Atlantic Shore
0 votes
terryriw53, Agent, Sewell, NJ
Mon Mar 16, 2009
Hire yourself a good attorney and make sure that you give the attoeney all of the relevant paperwork and details. That nis the only person who will be able to help you. You may also try NJ Judiciary Foreclosure Mediation at http://www.nj.gov/foreclosuremediation/.
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