We submitted paperwork and a check in the amount of $1, 750 on July 3rd 2009. This was for a loan modification process to begin the following week. However, the FTC closed them down shortly after this date and they were only able to submit paperwork to the Bank of America (Countrywide) stating that they were now the representive for our loan modification. How do I get back this money back that obviously was not spent on any modification on our behalf, now that they are not in business.

Call the Lucas Law Center if you want to save your home. My mortgage kept adjusting until I could no longer afford to make the payment. I tried to work with ASC, my servicing company, on three different occasions. Each time they put me in repayment plans that I could not afford. I was 12 months behind, in foreclosure, and I owed the bank $89, 000. Paul Lucas negotiated with my servicing company and reduced my interest rate from 10.3% to 5%. My delinquent payments were included in the loan modification. I did not have to pay a lump sum to the bank, and saved $800 per month on my mortgage payment. Thanks Paul and everyone at the Lucas Law Center for doing an incredible job.
Wilton and Crystal
Oakland, CA

Eric Sullivan of Lucas Law Center called me at my home in July, 2008. The call was about re-modifying my mortgages to get me a smaller payment so I could afford to keep my home. He told me that when I retain their services, that I should not speak to my mortgage companies. They would take it from here and handle everything. If they couldn't get it done, they would refund my $2, 500.

They did nothing. I heard nothing for months. I now have a NOD, which I didn't have before, and I am currently in full foreclosure pending a sale date. Frank Sullivan was the person supposedly handling my account, but when I e-mailed and called after 3-4 months of not hearing from them, I was told that as soon as they get things going, they would call me. They are negotiating. I trusted them to do this, so I followed their instructions of not speaking to my mortgage companies.

When I FINALLY did hear from Frank Sullivan after my numerous e-mails and calls, he didn't even know who I was. Didn't have my info in front of him, didn't know anything. To ward me off, he refunded $500 to pay one of my mortgage companies to keep them at bay. Instead of sending me a check to pay the mortgage company, he credited the credit card I used to pay them the $2, 500, which wasn't what he said he was going to do to begin with.

I heard nothing again for another 2-3 months, but was finally contacted again by Frank Sullivan. Again, he didn't know why I was calling or who I was, and proceeded to tell me that he had just come back from a 2-month tour of Europe and Asia with his son. Apparently, he used my $2, 000 for pocket change on his world tour. I proceeded to tell him that I was now aware that we were in foreclosure. He had the nerve to tell me that he sent me a partial credit and now that he was working 'gratis', he could no longer help me. I'm aware that the definition of 'gratis' is 'free' and the $2, 000 is still had didn't seem like that is working for free. I requested that he pay me the money back since he didn't do what was promised and he told me flat out that I received all I was going to get from them.

Eric and Frank Sullivan (not related) were the only two people I ever spoke to at Lucas Law Center. I have since sent e-mails to Paul Lucas, Frank Sullivan and numerous e-mails to Eric Sullivan requesting an itemized statement of what they supposedly did to earn $2, 000 and I've heard nothing except one more call from Frank Sullivan telling me to quit wasting my time e-mailing them every day about losing my home and my animals. He said I would not receive one red cent back, that he was done. And then he hung up on me.

I borrowed the money from my elderly neighbor who is on a fixed income. She even spoke to them on the phone at the beginning when they were talking us into re-modifying my mortgages. They assured her that her money would be refunded if they weren't able to do what they promised. She has e-mailed them also requesting a refund.

This was my parent's home that they worked for 50 years to keep. My dad had it paid off before he died. It's an old home and it needed repair and upgrades so me and my mom took out loans against the home to improve it and didn't know at the time that the monthly payment would increase so much that we couldn't make the payments anymore. When my mom passed in April, 2008, I was her full-time caretaker and had no other income. I've been looking for work since then and took on 2 roommates but was not able to pay the high mortgages. That's why I went for this to begin with. They promised to take my $1, 100 payment and cut it down by half so I could afford to keep the house they worked all their lives for. And now I'm going to lose the only home I've ever had because of the likes of Lucas Law Center and their greedy employees.

I know now that it was a rip-off from the get-go. I may not be able to get my money back, but I'm not going to take this laying down. When I get done e-mailing and calling everyone that will listen, I will proceed to contact the Attorney General, The California Bar Association, the BBB and county aging society against elder abuse. They haven't heard the last of me.

In October 2008 I answered their advertising on KGO radio 810 (San Francisco) about Loan Modification. The ad stated that after a reasonably 'low cost forensic audit' that they would use errors, untruths, and mistakes etc. in my loan documents to negotiate with my lender and modify the loan according to my income and new lower house values. Rick Nelson sent me forms to have notarized and sent back to him. Also a list of items needed for the audit.

A couple of weeks later Valerie Sandoval called with what she called a 'grocery list' of additional items that she said were needed for completing the forensic audit. I had to get some of them from various banks and when I finlly got them all and sent them to her by Fed Ex I never did get the requested acknowledgment from her or the law firm. And I heard nothing more from Rick Nelson.

In December his personal phone number was answered by Adam Zucker, who did not know who I was, and knew nothing about my case. No one knew anything about shat had been done so far (if anything). My bank (Indymac bank) would give me no information and said they did not have to contact my attorney.

Today, Jan. 5, 2009, I received in the mail 6 copies (3 certified and 3 regular mail) of a foreclosure notice dated Dec. 10, 2008. In disgust I called Lucas Law Center and demanded to know the status of my case. A manager, Frank Sellars took my call, left me on hold for over 20 minutes and I called back and talked to Craig Williams. He said to call Adam Zucker every 15 minutes today until I would get hold of him.

Adam Zucker still did not know who I was! Then he said that Frank Sullivan was trying to call me and asked what number should he call me at. He still could not or would not tell me anything that had been done, but announced loudly for others to apparently hear: 'Send his money back to him'. And told me that I should get it in a few days. End of story???