I hired Apply2Save to help modify my mortgage loan due to me being laid off for a year and a half now and not being able to keep up with mortgage payments. My bank is now going through the foreclosure process anyway, so I have been trying to get a hold of a representative at Apply2Save to find out what is going on. I have tried all of the phone numbers I have for them, and it says my number cannot be completed as dialed. I then went on the internet and see all these listings that Apply2Save is a scam. Now what do people do???

I submited my loan modification papers to try and save our home. I gave them to installments of 500 dollars each. I called my bank and they said they never received the papers. I called and e-mailed them just about everyday. Then I called and got the worst news the phones were cancelled and the e-mails were returned. The business was closed.

How can I get my money back!

On Jan 28 2009 we hired Apply2Save to help us with our loan modification we where talking with them all the way up to being served we called them and they told us to fax over the served papers that was the last we heard from them. after trying to call them on June-4-2009 phone disconected.no return fax went on the web sight and found nothing but bad news and closed doors now my home is in foreclosure. They need to pay for this there was no reason for this to happen!

Apply2Save's bankruptcy filing went in on 6/9. Case # 09-20607-TLM. sign up for and view all 994 pages (100's of pages of individual consumer names) at: http://pacer.psc.uscourts.gov/documents/pacermanual.pdf

Run a query search - type in case # 2:09-bk-20607

Creditor case hearing is on 7/23 at 9am at US Courthouse in Couer d'Alene Idaho.

Of Note: Derek lists that he owes his own security svc apprx $6k and his own shell company Sleeping Giant Media Works, which he is all the officers, incorporated in Nevada for $100 in 2006, $520k!!!

Reading the Bankruptcy filing shows:
1/ Derek sold 1/3 of A2S to Fair group in April for Apprx $900k

2/ Paid himself $1m in the last year and claims he still is owed $1m in salary from A2S and $520k from Sleeping Giant.

3/ A lot of his "contracts" to do business were through Sleeping Giant

4/ Exec's made $10, 950 a month

5/ He is claiming $4.7m in receivables on the books (all credit card charges that should be voided I assume)

6/ Filing lists every employee and what they are owed.

7/ Derek has 4 different child support payments to 4 different states (if that tells you anything)

8/ He is using the Hayden home address in his filing - Assume he actually still owns it but isn't living there.

9/ Every credit card charge/client is listed - 1800 people who got swindled

10/ Once again - He paid himself over a MILLION dollars in salary in the last 11 months by ripping off people's credit cards!!!

I paid Apply 2 Save took my money in January 2009 and told me they were going to work with my mortgage company and do a mortgage modification. Don't pay your mortgage they said, it will be added on to the back end of the mortgage. Every week they called and stated that they were working on it. It was in "NEGOTIATIONS" they said. Then one week they didn't call. Then a letter came from an attorney. My home was being forclosed on. I called the mortgage company, they said they didn't receive any info from the so called mortgage modification company. So I called Apply 2 Save they said don't worry they were in Negotiations it will all work out. Yesterday, June 9, 2009 I came home to find a summons and complaint attached to my front door. Because of these people and my own stupidity, I may now lose my home. BEWARE OF ANY COMPANY THAT CHARGES YOU MONEY TO MODIFY YOUR MORTGAGE. YOUR MORTGAGE COMPANY WILL WORK WITH YOU.