Complaint Review: Phillips Law Center

I spoke to the free counsel for the MHA HAMP and HARP governmemt hotline 1888-995 hope (1888-9954673) today and spoke with Kelly Haber, very nice lady. Please call before Phillips Law Center STEALS your money. Do not lose $3,000 like I did. THEY DO NOT GIVE REFUNDS! It is all a lie. Find our the guidelines they don't tell you. They only tell you what you want to hear. They make you trust them and feel safe. In my case they lied saying I would quilify but they Knew I do not but they took my money anyway. They also told me I was going to get a refund in case it did not work. Email me at brunaveneza@yahoo.com for details. DO NOT SIGN THE ONLINE CONTRACT, its is not what they tell you on the phone. The lady at the hotline confirmed all my suspicious about Phillips Law Center. She confirmed the SCAM. They knew I would not qualify at the first phone call for many reasons, I don't qualify for any of the programs at this moment. The lied to me about giving me a refund, they did the negotiations with Chase but they knew I had more than 3 months reserve in my checking account and that my payment was only 18% of my income. Your mortage payment is supposed to be lore than 31% of your net income. They told me not to mention my savings account. They still took my money and said that I would qualify. They said I had expenses to back me up. I did not know the guidelines, only now I am doing so much research I find out they lied to me. The ratios we did today on the phone show that doing the basic simple math it is clear that I don't have a hardship. I only qualify for a traditional refinance. I know another person that is also working with them and she has a similar story, except she has a real big hardship and they just stole her money. They did nothing for her, she is now negotiating with Bank of America on her own, they never returned her calls about her refund either. I met her because Elisabeth Burch from Phillips Law Center emailed me by mistake, she and I have the same first name. We started to talk and figure it out we were victims of a scam. They lie to people on the phone, very persuasive, they told me I would not know the best way to deal with the bank and they were experts, they said 3,000 was not much because it would cost me about the same at the bank. I did not check with the bank if that was true,only to find out now that it would have costed me NOTHING to go to Chase and apply it myself. After I decided to trust them, they seemed very helpful and nice, I just waited and hoped for the great results they promised me. The said they were 99% sure it would be a success when we spoke the first week after reviewing all my information. Than they asked me for $2,995 check in advance and asked me to sign a contract. I don't know if they even have a license to operate in NJ since their address is in CA. THE CONTRACT SAYS that you waive any rights to go to court so now I can't even do that! I wanted to go to small claims court here in NJ but I heard from a lawyer that I would waste my time because they have no assets in NJ. Maybe the contract is not even valid here in NJ. THEY ARE A NIGHTMARE OF COWARDLINESS AND DESPICABLE LIES