USNLS Definitely a SCAM
USNLS received $3200 from us for a loan modification. We were told 2 to 4 months for the decision. 1 year later we received notification that our request was denied. USNLS takes peoples money who are in desperate situations and keeps it. We got absolutely nothing for our money. SCAM SCAM SCAM. Filing a report with the BBB and the district attorney.
Posted on 9/7/2012
home mortgage modification loan with usnls
Hi my name is Barbara I have been dealing with this company since Oct of 2010.They were supposed to reduce my payments and reduce my payments, it has been over a year and now they no longer answer my emails and there phone number is no longer any good paid them almost $4000,00 dollars and they have done nothing for me. I thought I was the only one who was stupid to fall for this. I put my trust in a company I thought was going to help me but instead they took my money and ran, I would email them and tell them I thought that this is what they were doing and they assured me they were not. I have decided to file a complaint with the BBB here in Oregon and file a complaint with the states attorney general. I just want my money back and see all the people involved in jail don't know how anyone can sleep at night after what they have done to so many innocent people.If anyone has any ideas on how we can get our money back i would like to hear from you. Thankyou
Posted on 1/4/2012
I STARTED GETTING SET-UP WITH USNLS ONE YEAR AGO OCTOBER 2010. I PAID THEM $2, 900.00 THEY WERE GOING TO HELP ME WITH MY INTEREST RATES AND PAYMENTS ON MY FIRST AND SECOND MORTGAGES. I SENT THEM INFO ALMOST EVERY MONTH. I E MAILED THIS INFO TO MARY PATERON. I DID THIS FOR MORE THAN A YEAR. THEN ALL OF A SUDDEN I COULD NOT E MAIL MARY AND THEIR 1 800 NUMBERS WERE NO LONGER WORKING. I CAN'T BELIEVE PEOPLE CAN DO THIS TO OTHER PEOPLE AND STILL SLEEP AT NIGHT.
I SURE HOPE MARY PATERON IS HEARD ABOUT TO MANY PEOPLE BEFORE ONE'S HARD EARNED MONEY IS LOST.
Posted on 11/26/2011
USNLS/NJS/LHG/316 NLS Modifications are the same company
I used to work for this company of many names (Legacy Holding Group, National Juris Solutions, US National Legal Solutions, 316 National Legal Solutions, and what ever name they had changed it to now) and I am going to release the true identity of these con-artists. I will not stop until they are arrested and jailed for there atrocities. When I first started working there, I was in good faith that I was helping all these people out because I was once on the other side of selling loans and I saw this as redemption. What this company turned out to be was an absolute fraud. They not only lied to you as the clients but they also lied to us, the employees - primarily the Customer Service Department (Compliance Support Team). I may even have worked with some of you guys. I am here now because out of good faith I quit my position there and was told that they were going to mail me my last paycheck even though I had asked my Manager Casey Judson - (ME) Why do you need to mail it? She responded well your moving aren't you? I said yes your right. Well this was a week and half before 9/15/11 which was my last day. I still have not received my last paycheck and that was when it became more apparent that this company is a Fraud and that they were running a scam. I questioned it before but the manager would persuade us that it was not in the companies fault that we couldn't save there homes, it was ultimately the clients fault because there so behind on there payments and they also "OPTED OUT" if you remember that phrase. Well obviously why the heck would these people be coming to this company giving them everything that they had and these poor people even borrowed money from there folks and pulled it out of there 401k's if they could. These people are frauds and I want justice for you guys more than me. These people owe me my time and money that I had worked there. You may say well that's Karma and don't get me wrong I am 100% with you on that, but I just want to make this right, and sleep soundly.
Since my issue is more of a wage issue all I can do is give you there true identity. We had to take on fake alias' because of the amounts of death threats we were getting, and they were ugly. Anyways here's something that can help yall out.
Main Boss - Bryan/Brian Souza/Sousa * I don't really know the spelling of his name. He is supposedly the main guy that gives us our paychecks, pays for the overhead, and gives us these meetings like if your picking up the phone and your NJS don't say USNLS and such other things like that.
Compliance Support Manager - Casey Judson AKA Casey Bradshaw * That was her alias before I left. Her name has been confused with Casey Jensen on the net but it really is Casey Judson. She is the main person who had told us Customer Service Reps to not answer the phone unless it is for a Financial Agreement (FA) or a Compliance Package (CP) *Which is the money maker aka the clients money! We primarily made outbound calls for Status Updates which were all BS because its the same crap even after a month! It was more Client Retention than Customer Service. She is ultimately responsible for all the actions that we the Support Team had to under go and inform the clients of these "Status Update". She told us the final words for everything. She is playing right now that she is not responsible, but I think if you had a big ole marker board with clients names and there Sale Dates posted next to them and most of them get lost anyways. I would think she is the most responsible for it. Besides that the main boss (Bryan Souza) practically let her do anything she wanted including her 45min smoke breaks, and that's just one break.
Compliance Officers- These are the guys who gave you guys false promises and in turn persuaded you guys to drop your $2900.00 - $4500.00 either by breaking them down into payments or a full payments.
Lying Compliance Officer 1 - Todd Eyster AKA Todd Easter * He was the biggest swindler that I can recall. He will say anything for you to drop a payment.
Lying Compliance Officer 2 - Carrie Salerno * I do not know her alias, At the same time she had to be the most honest person I thought that worked there, but who am I kidding they are all liars.
Our Accounting "Department" - Cheryl Robertson * She is supposedly or her 'Department' to be handling the Refurns, but really "know one knows who does that". At the same time there is no 'Department' for accounting its just ran by one person. Cheryl Robinson. I dont think she has an alias.
Human Resources - Cindy (Last Name?)Well if anybody knows anything for there employees to get there paychecks, etc., etc. this old broad should know where people ought to get there money, but to there claim is they dont know how.
Compliance Support Team Member - Tina Forbes * Now I was planning on keeping her name out of this, but because she has been toying around with me about my last paycheck from the get go and lied to me that she got 're-hired', then telling me not to proceed anymore to get my last paycheck, I will release her name. Tina Forbes has been Casey Judson's little pawn, when everybody else got laid off she stayed and still tried to get people's money knowing that LHG and its other company names has screwed people over and there employees. I have text messages of this. She also got in touch with me recently 11/25/2011 telling me her side of the story and why she had lied to me and stayed with LHG. She said informed me that she had some important information that I should have to give to the Credit Bureau of Investigation in Maine. She has and still has been messing around and toying with me.
Now after all this this company is really located in Orange County, CA they moved so much that giving you specific city would be useless, but last I heard they moved to Santa Ana,CA there last city was in Irvine, CA. Thank God Orange County isn't a big county.
As for that given information I would advise you to contact the Attorney General, Federal Trade Commission, and/or http://oag.ca.gov/consumers/loan-modification/ this site might help.
Last I just want to tell you some truths about this company.
- There is no Lawyers that talk directly to your bank. In fact they don't talk directly to your banks at all, but its all over the phone from our good friends in India.
- They do however have lawyers though just in case they as in LHG/USNLS/NJS/316 NLS Modifications gets into some legal issues, which they will and there looking at a big one
- They do not record phone calls only on the most rarest occasions have a seen a recorded phone call.
- No one that I have talked to has ever received there refund.
- I believe and I am not sure of this that those contracts are not binding at all.
- They are from California and in Orange County nowhere else. NOT ARIZONA; CUPERTINO, CA; NOT SAN FRANCISCO, CA; but only ORANGE COUNTY. The nearest county where they might run to next before anyone catches is Los Angeles County and San Diego County
- We do not answer the phone and that is a fact! Unless they are trying to get your money.
- Casey Judson's and Bryan Souza's joke between them and they would tell us as well is "GET MY F*ING MONEY AND I DONT CARE HOW YOU DO IT" some joke right.
Other than that I can give you more information but I would like to do that when you get some legal help on our end. To create a huge case against them. I want them in JAIL for a very LONG LONG LONG TIME!! THESE PEOPLE DONT CARE ABOUT ANYBODY BUT THERE POCKETS AND THEY LAUGHED AT EVERY BODIES DOWN FALL SAYING IT WAS THERE FAULT THAT THEY LOST THERE HOME!!
LETS GET THESE CROOKS IN JAIL!
Thank you for giving the time to read this and please if you need any more info let me know.
Posted on 11/4/2011
Any one that has posted anything good about this company is planted. We have been working with this company since july 2010 and they have done nothing for us but steal our money and run. We had to higher an attorney to save our home and file a chap. 13. I have found several names they have gone under, Weston and Wyatt, Merrill and Warren, Us National Legal Solutions, National Juris Solutions and then I believe the most recent one was Legacy Holding Group which ran out of Calif. and Az but with the same phone number. Go figure. I am currently trying to find a way to get the owners and all employees arrested for fraud. I would really like to stop them and get my money back. The more research I do on them the madder I become and the more determind I become to find this company. I guess you could say I am truely obsessed. If any one has any info on them or knows who I can contact to file legal charges please let me know.
Posted on 11/3/2011
NATIONAL LEGAL SOLUTIONS IS THE SAME AS US NATIONAL LEGAL SOLUTIONS, LEGACY HOLDING GROUP, NATIONAL JURIS SOLUTIONS! READ DONT GET SCAMMED
I reached out for this service to help save me and my husbands house. They offered to help us with a large fee of $4000. They never submitted any documents to me with my new rates or anything. Which I later learned I should of received from them. And with my new built in frustrations I went under deep research and learned that they have 3 other companies. The first one which was the easiest to figure out was their old company US National Legal Solutions. Which has an F rating. (really you drop the US. like that changes a lot) The other one which wasnt hard to figure out is Legacy Holding and National Juris Solutions. After researching the names on the owners and people I have spoke with I realized they are all ONE company. Just with a bunch of new names. Not to mention I learned they use false addresses and their real one is at 5440 Trabucco Rd, Irvine CA 92606. I definitely plan to make a visit. To my favorite people and dear friends.
DO NOT SEND YOUR MONEY! YOU WILL LOSE YOUR HOUSE LIKE WE DID! THEY DO NOT CARE.... GET REAL HELP FROM A REAL MODIFICATION COMPANY OR NON PROFIT COMPANY BEFORE ITS TO LATE BECAUSE THE BANK WONT HELP EITHER.
Posted on 10/6/2011
thank you for all the reviews we were not scammed but almost. they sound so helpful they want to make your dreams come true but they are all lies.
Posted on 9/22/2011
Does anybody know if this company is the same company or affiliated with NJS (National Juris Solutions)? I too have been ripped off and will not stop until I get some results! I've done a few searches and some websites tie these companies together--just operating under different names and addresses. I will join up with you guys and maybe we could work together to resolve this issue. My email is Ashley.Kasha@gmail.com if anyone wants to contact.
Posted on 5/28/2011
PLEASE HELP US FILE A CLASS ACTION SUIT AGAINST THIS COMPANY!!!!
THIS COMPANY IS A SCAM. After reading the other reviews I don't feel like such an idiot falling for this. I have had the same problems everyone else has had. They took me for $2660.00. They told me the same thing, "It should take 3-4 months." "Don't have contact with your lender." "Don't make any payments." Well that put me $12,000 in the hole. I have been going through this since 2009. I was the one working with my lender to get a loan modification. And guess what? I got it. I will not stop until I get my money back. I have contacted the Irvine, CA police department and also the Attorney Generals office. If anyone is considering USNLS DON'T!!! They will only take your money and you will never hear from them again. I can not believe there isn't anything we can do to get our money returned. As other reviewers said, "We need to all get together and stop this scam." We work hard for our money and to let companies like this take our money is a sin!!!! I will be e-mailing the two reviewers who left me their e-mail addresses to see how we can get our money back.
I AM REACHING OUT TO EVERYONE WHO HAS BEEN RIPPED OFF BY THIS "COMPANY". THE FTC SAID IF WE CAN GET ENOUGH PEOPLE TOGETHER WE CAN FILE A CLASS ACTION SUIT. PLEASE FILE A COMPAINT ON THE FEDERAL TRADE COMMISSIONS WEBSITE. ALSO,
PLEASE EMAIL SO WE CAN ADD YOUR NAME and ADDRESS TO THE LIST!!!!! THEY T00K ADVANTAGE OF US. WE DESERVE OUR MONEY BACK AND THEN SOME,SINCE WE ARE ALL IN FURTHER DEBT BECAUSE OF THEM.
I WILL NOT STOP UNTIL I GET MY MONEY BACK NO MATTER HOW LONG IT TAKES AND THESE CRIMINALS ARE PUT BEHIND BARS FOR FRAUD!!!
Thank you for your considerations.
Posted on 5/10/2011
This company is a scam i started working with USNLS, in October 2010 when i paid over $3200.00 to have them get my mortgage modified, I would call them every week to fin out what was going on and no one would return my call. when I did speak ton someone in the company the would say the same thing everytime it takes about 4 months for the modification. In the mean time they kept telling me not to speak to my mortgage company, which I refused to do. I spoke with my mortgage company and started the modification process with them in December 2010, and by January 18th, 2011, my mortgage company I and came to a workout plan that I accepted, in the mean time I, USNLS is telling me that my foreclosure date of February 1st, 2011 was removed but my mortgage company said it was not removed, but the workout package was being processed and completed by the 21st of January 2011, So again I called USNLS, and requested a refund, they stated they would check on things and call me back. they called back 2 days later and tell me things I had already known for two weeks, like my new mortgae payment and my new interest rate. So again i requested a refund since I myself had been the one working with my mortgage company and worked everything out, their response was congratulations we got your modification done for you. But folks my modification was done internally with the mortgage company and had nothing to do with USNLS, but they refuse to give my refund. I have contacted the attorney general, and I am presently looking for an attorney to get my refund. No money should have taken from any of us who worked with this company until their was a workout package put together. please any one trying to get their money back please lets work together contact me @ email@example.com
Posted on 4/27/2011
I have used this company for almost 6 months now and still have gotten no results, not even a status update. Today I received an email from USNLS stating that I needed to contact the bank directly to get my own status. I have paid this company $2,750 and now I am told that I have to get my own status. I am behind on my mortgage $21k and not yet on foreclosure but scared that I will soon be. I am going crazy cause I fear that I may loose my home. I just want my money and I want to see what I can do to save my home before it is too late. I sign up with anyone who is trying to get back at this company to get their money back. This economy is not well, and its not right how these companies prey on people giving false inspirations. DO NOT USE THIS COMPANY, they are a SCAM and I learned the hard way unfortunately.
Posted on 3/23/2011
Although I have NOT requested or used the service provided by US National I know of a few people who have and from beginning to end it was a nightmare.
First of all no person/company should be requesting upfront payment for services which have not been rendered as indicated in the California Department of Real Estate website:
ADVANCE FEES FOR LOAN MODIFICATIONS NOW PROHIBITTED
Governor Arnold Schwarzenegger signed Senate Bill 94 (Calderon) which prohibits any person, including real estate licensees and lawyers, from demanding, charging, or collecting an advance fee from a consumer for loan modification or mortgage loan forbearance services. IF YOU ARE APPROACHED BY ANY PERSON REQUIRING UP FRONT FEES FOR THESE SERVICES DO NOT PAY THEM.
There are also non-profit organizations which will provide loan modification services at no cost. It is really sad to see that so many people have not only become victims of the economy but of companies such as this one who are out there looking for the next victo to scam.
I urge anyone out there looking to obtain a loan modification to do their research on the business they are considering on hiring. My suggestion is contact the City where the business is located, Secretary of State (if Corp/LLC), Better Business Bureau etc. In the case of US National Legal Solution a quick search with the City of Irvine would have brought up the fact that the address listed on this company's website is a mailbox and not an actual business office, something which is not permitted in Irvine. I wonder had anyone found this out would they have really hired this company or paid any money up front?
If I could I would give this company zero stars
Posted on 3/3/2011
US National Legal Solutions said they could help me with a loan modification and it would only take 2-4months and it has been 8. They took me for $3200. I found out its illegal in NC and Calif for them to do that. I need anyone who is willing to help me fight for their money back to please contact me at firstname.lastname@example.org. Noone will help individuals but said if enough people got together then something could be done. I don't know about anyone else but I can really use my money back especially in this economy and stop this company from taking advantage of other people.
Resolution Sought: I would very much appreciate it if you would return my money.
Date Problem Started: 7/1/2010
Date of Transaction:
Amount in Dispute: $3200.00
I am still trying to find someone to help me get my money back. This is a scam and I know this first hand. They will not answer or respond to anyone. If there is anyone out there who would seriously like to join with me to try and get something accomplished please email me at email@example.com. I am like most Americans and need my money now more than ever and I hate liars and cheats which is what the people are that work for this company.
Posted on 3/1/2011
I believe I have been a victim of scam by this company, they said they help people with Loan Modification to reduce your monthly mortgage payment but it seems that everything is a lie. They haven't done anything for me, only take my money $3,500. Please a just want my money Back
Posted on 12/14/2010
I signed up with this Company back in August, submitted all the documents that they requested and paid the "Retainer Fee" of $1510 that they said had to be paid. When I signed up with them I was told that a Cease and Decease would be issued and that I should not pay anthing else to the Mtg Company and that I had nothing to worry about. Once I finally paid the retainer fee I asked the question if the Cease and Decease had been issued that they said was going to be issued back towards the end of August and received no response on that question but was told that my paperwork would be submitted this week (week of Oct 18) because they couldn't submit anything because I hadn't paid the full retainer fee. I asked how long the process would take and was told that it could take 2-4 months. I am so far behind on my mtg payments appx $24K that I am concerned I am going to lose my house. I have one last payment to make to this company to complete the full amount being charged of $2900 for their service to negotiate with Mtg company for a loan modification - So for now I have placed my trust and money in this company to save my home.
Posted on 10/22/2010
Having been late in our mortgage payments due to loss of income and to President Obama's loan modification program, I contacted US Legal Solutions for help.
From the very first phone call to our last session it was nothing but an outstanding procedure. Although we weren't able to get a loan modification from them due to our lender playing hardball we did get our initial monies that was put up for good faith back.
I was hesitate to go this route again after being scammed by another loan modification firm. Again, they are an outstanding and highly professional business to deal with
Posted on 9/15/2010