Got a letter in the mail regarding a loan modification called and Way Point Law Group called me back they said they could get me a modificaton and under Obama's new program we are qualified so we spoke a couple of times Sam Morgan even told me and gave us a letter stating that if they are unable to do the modification by law they have to give us our money back so we fedexed the paperwork and the check to the above address and Sam called and confirmed that they received it, he said it would take 3 - 4 weeks so after that we never heard from him again, so we called and emailed and the phone goes right to voice mail and no one ever calls us back. So I filed a claim with the Santa Aan FBI and also on their website at www.ic3.gov and
hopefully these crooks will be stopped. I paid these people $1, 250 to
do the modification so I know I will never see that money again.

We have had the misfortune of losing almost two thousand dollars to "Way Point Law Group" They will not return our calls. We have a one hundred percent guarantee from this company if their services are unsatifactory, how do you collect on a non-existing company?

I have reported them to the Better Business Bureau in Irvine CA, and gave them their last know address. I also called Irvine Business registrations and they are not listed with them, I was instructed to call the Federal Trade Commissions, to which I learned it is against the law for ANY ONE TO COLLECT MONEY IN ADVANCE IN PURSUANT TO HOME LOAN MODIFICATIONS AS THIS IS FEDERALLY INSTITUTED AND SUPPORTED. IT ALSO HAS BEEN PASSED IN THE STATE OF CALIFORNIA AS OF OCTOBER 6, 2009 ILLEGAL FOR ANY BUSINESS OFFERING SERVICES FOR HOME LOAN MODIFICATIONS TO COLLECT MONEY BEFORE THE LOAN MODIFICATION IS COMPLETED. PLEASE CALL THE FEDERAL TRADES COMMISSIONS OR CHECK ONLINE AT WWW.FTC.GOV FOR FURTHER INFORMATION. Residents in California, please call your local Better Business Bureau for this new law and all that it entails.

Further more, I will be filing a report with my local police, call my State Attorney General's office and will do what is necessary in pursuit of these criminals. There is also for those who are misfortunate to have experienced loss at your time of need for help to keep from losing your home and anything else during this economic crisis we are facing, other aides. I have found that you can file a complaint to a website that is monitored by the FBI and this website will allow you to file a complaint and will in fact give you a registration number. This website is www.ic3.gov.

I think if more people that have this experience or near experience, if they will follow through with notifying their local Better Business Bureau and file a complaint and if necessary by taking it a step further if you suspect that you have been approached by a scam who in fact is a criminal, we can stop this to a trickle at best. Historically, when there is a crisis it brings the thugs and crooks out to take advantage of the defenseless.

I hope this will help someone from making the same mistake we did. Before giving anyone any of your personal information, do some research! You DO NOT HAVE TO PAY UP FRONT FOR HELP for a home loan modification!! Maybe starting with your bank that carries your loan would be the best starting point.

M. L.
Florida