On10//2008, I met with a coworker outside the job named, Yanelys Ramirez. Tel. number 917-306-9834, I informed her that I was going through difficult times. I was afraid of loosing my house, that at the time I had it for two years. I was one of the people who got into the adjustable interest rate home loan for 2yrs. Country Wide home loan increased my mortgage drastically. The difference between paying a mortgage of $2, 700 per month and drastically change after two years to the amount of $3, 900 and interest rate of almost 7.00%. Yanely Ramirez advised me to get into the investment business with her cousin, and herself that they were making a lot of money working with a company named “GLOBAL FINANCIAL SOLUTIONS, LLC”. Ms. Ramirez introduced me to her cousin Joey Anthony Garcia tel #862-600-4001, who was working for the company for more than ten years “GLOBAL FINANCIAL SOLUTIONS, LLC”. According to both of them, I was going to be able to make money to pay all my utility bills, mortgage and credit cards. They also introduced the company to another coworker named Idalmy Martinez, tel. # 914-391-2194. As per yanelys and Joey A. Garcia “GREAT BUSINESS”. Ms. Martinez was going to join the investment but, she went through personal problems and was unable to invest. Yanelys Ramirez said that all her family was investing a lot of money as well as their friends. They were all making a lot of interest with G.F.S.. As per Yanely she invested $50, 000 and was getting $6, 000 quarterly. If I invested $25, 000, I was going to received $3, 000 quarterly as well. I had my doubts neither the monies, therefore I told them that I do not have the money since all of my savings were going towards my mortgage.
Mr. Garcia said that if I had a good credit score my mortgage was able to be consolidated and my credit cards. From an interest rate of 6.87%, The Company GLOBAL FINANCIAL SOLUTIONS, LLC was going to bring my interest down to 4.00%.

That’s when my nightmare started!!!

On 10/4/08, Mr. Garcia explained to me that I was able to make partial payments until I collect the $25, 000. I did it as he stated. Therefore, on 11/4/08, I met with him I gave him the money and my mortgage documentations and I signed the contract with the company GLOBAL FINANCIAL SOLUTIONS, LLC. According to Joey A. Garcia the process of the loan modification was going to be ready in one week When I met with him he said that his company said that I have very good credit but the modification never went through. I never received my money because the money was already invested in their investments. However, I was hoping that the investments were as good as they said. In two years I received seven thousand dollars $7, 000. On 6/13/09, Mr. Garcia came to my house in the morning to bring me my first interest check on the amount of $3, 000, from GLOBAL FINANCIAL SOLUTIONS, Llc then he called me that same night stating not to cash it because he did not had authorization to give me that check. My. 2nd Experience He mail me a check from GATEWAY R.E.O. OF NY & NJ, LLC with no fund the check bounce. 3rd check was from another company and did not have any fund. These checks were from different companies and signed by different people as well. Multiple times, I called. Garcia to tell him what was going on and he was giving me multiple excuses and “I am sorry”. I did not know. I will find out what’s going on. I also called GLOBAL FINANCIAL SOLUTIONS, llc at 1-201-791-0404, and spoke to Desire, Nancy, Kimberly in different occasions they told me that will be informing that situation to the owner of the company, but at any time these workers didn’t give me his name neither his direct ext.

I do not know what else to do to get my money back. My Coworker said that he does not call him and no one wants to get any responsibility. Thank you in advance