Complaint Review: Fmafinancial.com Fma Financial Fma Servicing Llc Financial Management Advisors Llc - Orlando Florida

Ask the crook if he prefers Seminole or Orange County Jail?

Who are you going to believe? A posting from a guy named "Harold" which is actually one of the owners of this boiler room phone scam - Joe Esposito OR............ The FLORIDA ATTORNEY GENERAL????? You Decide. "Documentation beats the Conversation" And here is the documentation: Florida Attorney General Nails fmafinancial.com aka FMA Servicing Loan Mod Scam! Everything reported on this group is true. Read this story: www.orlandosentinel.com/news/local/breakingnews/orl-bk-fraud-suit-021309,0,6688318.story OrlandoSentinel.com Florida Attorney General: Downtown Orlando company deceived distressed homeowners Willoughby Mariano Sentinel Staff Writer 2:22 PM EST, February 13, 2009 The state Attorney General's Office is filing suit against a downtown Orlando company saying they broke a law meant to save struggling homeowners from fraud, according to court a document released today. Financial Management Advisors, a loan-modification company, charges up-front fees of up to $2,500 to troubled home owners looking for help escaping foreclosure, according to a court complaint released today. The problem is that state law bars companies from charging these fees, and the FMA isn't providing the services they promise, it states. Luis Gonzalez, a lawyer for FMA, says the company helps people, and has never committed fraud. The under which they attorney general is suing them is new and ill-conceived, he added. 'They're barking up the wrong tree when it comes to FMA,' Gonzalez said. The company also claims to be connected with major mortgage lenders, including Fannie Mae, Countrywide Financial and Lending Tree, but do not have documentation to support their claim, according to the complaint. An advertised staff of 'attorneys, accountants and expert negotiators' does not exist. Gonzalez said that the company is new and was previously using general contractors. It now has a staff attorney. The suit asks for a permanent injunction, restitution, civil penalties and litigation costs. FMA is also known as FMA Servicing, Inc. Company executives Edward Billings, Joseph Esposito and Salvatore Esposito, were also named in the suit. FMA is based at 37 N. Orange Ave. suite 1010. Copyright 2009, Orlando Sentinel

I personally can tell you that FMA has a Lawyer (Luis Gonzales, Orlando, FL), a CPA (Carlos Alvarado) , 5 Mortgage broker Negotiators on staff ...and have completed 1,255 Loan Modifications for Homeowners. Please contact our company for ACTUAL Testimonials from customers! The person that posted this is a DESPERATE, DEGENERATE that gets satisfaction from LIES. If the person was LEGITIMATE, they would post PROOF of their service contract their PHONE NUMBER, THEIR ADRESS, ............. this report is completely FALSE. KEEP IN MIND THIS POSTIN IS ANONYMOUS! If you are in need of help, FMA will help you! They helped me! Regards, James Silverman 407-373-9197 OR CALL FMA SERVICING 800-NEW-HELP

I personally can tell you that FMA has a Lawyer (Luis Gonzales, Orlando, FL), a CPA (Carlos Alvarado) , 5 Mortgage broker Negotiators on staff ...and have completed 1,255 Loan Modifications for Homeowners. Please contact our company for ACTUAL Testimonials from customers! The person that posted this is a DESPERATE, DEGENERATE that gets satisfaction from LIES. If the person was LEGITIMATE, they would post PROOF of their service contract their PHONE NUMBER, THEIR ADRESS, ............. this report is completely FALSE. KEEP IN MIND THIS POSTIN IS ANONYMOUS! If you are in need of help, FMA will help you! They helped me! Regards, James Silverman 407-373-9197 OR CALL FMA SERVICING 800-NEW-HELP

I personally can tell you that FMA has a Lawyer (Luis Gonzales, Orlando, FL), a CPA (Carlos Alvarado) , 5 Mortgage broker Negotiators on staff ...and have completed 1,255 Loan Modifications for Homeowners. Please contact our company for ACTUAL Testimonials from customers! The person that posted this is a DESPERATE, DEGENERATE that gets satisfaction from LIES. If the person was LEGITIMATE, they would post PROOF of their service contract their PHONE NUMBER, THEIR ADRESS, ............. this report is completely FALSE. KEEP IN MIND THIS POSTIN IS ANONYMOUS! If you are in need of help, FMA will help you! They helped me! Regards, James Silverman 407-373-9197 OR CALL FMA SERVICING 800-NEW-HELP

The whole report was CUT & PASTE from another website called Complaint Board !..I seen this exact complaint and all this FAKE author did was replace the names! ... Not only that, but the IP Address that this fake person sent the complaint from an ex-employee's web address!! This is nothing but a sleazy attempt to harm another persons character. Disgusting.

WOW! What someone will do to make another company look bad!! From lies about convictions to lies about this company!! This rebuttal is to NOTIFY everyone who looks at this report to PLEASE realize that this posting is PHONEY!You can look up all information included in this posting, so that you can determine for yourselves that there has never been any such cases!! These claims are all erroneous! I do not know how this person has fabricated such false cases and files against Sal Esposito. If you are really interested in finding out the truth to these false allegations all you have to do is look up all these cases and you will see that there are no such cases. Sal Esposito have never been accused or put in jail for any such crimes EVER! How awful and cold can someone be to make up such lies. This report is phony, only aimed to make this business look bad because they are jealous of the hard work and services provided to people that they can not offer themselves. These type of things will only make this company stronger. I am writing to dispute any such negative claims towards this company because I know these claims are totally false. All the cases are nonexistent and Mr. Esposito has no such convictions. I can not let some malicious person post such NEGATIVE, TERRIBLE, ATROCIOUS, & UNSPEAKABLE things about this person and especially about such a hard working company. This company has contacted their attorney to see if any legal action can be taken against this report that has only defamed the character of this company. Everything in their power will be done to trace the posting down to the actual person that has posted this fake rip off report and they will make sure that legal action is taken.

There may be more reports for "blue bay advisors." Follow this link to perform an advanced search of the complete text of all reports for "blue bay advisors." Wondering if a report is missing from this search? We DO NOT remove reports from our database. However, as the leading consumer advocacy website, our technology is being continually upgraded to handle the volume of searches from consumers, the media and many others from around the world. While we are in the process of upgrading, our search results may not return all reports. This is only temporary. If you are an attorney helping victims, the media, or law-enforcement, please contact us to have us run a complete database search. Date City, StateTitle 1.1/7/2009 1:49:48 PM Salvatore Esposito - Joe Esposito - Blue Bay Advisors FMAFinancial.com - Financial Management Advisors is SAME scam as Blue Bay Advisors!!! Don't be fooled!! Orlando Florida *REBUTTAL Individual responds ..Report is inaccurate, full of misleading LIES! It was posted by a disgruntled employee. Author: Orlando, FloridaBait-and-Switch : Salvatore Esposito - Joe Esposito - Blue Bay Advisors FMAFinancial.com - Financial Management Advis Florida 2.1/2/2009 8:09:24 AM Fmafinancial.com SAL ESPOSITO BLUE BAY ADVISORS Timesharetraderusa.com Loan Mod Scam. Timeshare Scam. Everything the previous post said is true. This group moves from scam to scam. Now doing loan mods. Taking money and scamming the customer. I worked there and lasted less than a week. They gave me a big office and I up and left when I wasn't being paid. They don't pay anyone. Orlando Florida *REBUTTAL Employee ..This is just a disgruntled employee Author: Miami, FloridaFinancial Services : LN MOD SCAM Fmafinancial.com SAL ESPOSITO BLUE BAY ADVISORS Timesharetraderusa.com Florida 3.12/17/2008 10:04:00 AM Blue Bay Advisors charged my credit card without authorisation on December 12, 2008 Orlando Southampton Florida Author: Southampton, OtherCredit Card Processing (ACH) Companies : Blue Bay Advisors Florida 4.12/17/2008 7:56:00 PM Blue Bay Advisors LOW-LIFE SCAM ARTISTS THAT STEAL YOUR MONEY AND CREDIT CARD INFORMATION Orlando Florida Author: Orlando, FloridaBBB Better Business Bureau : Blue Bay Advisors Florida 5.9/15/2008 11:11:38 AM BLUE BAY ADVISORS DON'T PAY EMPLOYEES AND IS A HUGE SCAM!!! SAL ESPOSITO IS A CONVICT!! Orlando Florida *REBUTTAL Individual responds ..** FORMER EMPLOYEE IS POSTING LIES ** Author: Sloconb, AlabamaReal Estate Services : BLUE BAY ADVISORS Florida 6.9/15/2008 11:16:34 AM Blue Bay Advisors Time Share Brokers offer sounds too good to be true because it isn't! Orlando Florida *REBUTTAL Employee ..** FORMER EMPLOYEE IS POSTING LIES ** Author: College Point, New YorkRealtors : Blue Bay Advisors Florida 7.8/25/2008 9:21:55 PM Blue Bay Advisors Jim Ryan & Blue Bay are Scam Artists.They took My Money And now I can not reach anyone. Orlando Florida *REBUTTAL Individual responds ..** COMPLAINT IS UNWARRANTED AND WITHOUT MERIT** Author: Reading, PennsylvaniaSales People : Blue Bay Advisors Florida 8.8/25/2008 9:24:58 PM Blue Bay Advisors, Blue Bay Advisors USA 1, Peter Miller, Michael Schumacher Took my money and has not listed my property and will not return phone calls. Orlando Florida *REBUTTAL Employee ..** CUSTOMER WAS PROVDIED FULL SERVICE ** Author: Greenwood, IndianaProperty Management : Blue Bay Advisors Florida 9.7/15/2008 12:26:56 PM Blue Bay Advisors Took all our money, did not put our timeshare up for sale Orlando Florida *REBUTTAL Employee ..* This report is not accurate * Author: Albany, GeorgiaTelemarketers : Blue Bay Advisors Florida 10.7/15/2008 12:56:35 PM Blue Bay Advisors Sal (owner) Joe(manager) Did not pay employees Orlando Florida *REBUTTAL Owner of Company ..* Disgruntled employee * Author: largo, FloridaMiscellaneous Companies : Blue Bay Advisors Florida 11.3/16/2008 9:49:00 PM BLUE BAY ADVISORS, BUY AND SELL TIME SHARES, GLOBAL TIMESHARES CALLED AND OFFERD TO SELL MY TIME SHARE AND TOOK MY MONEY BUT NEVER SOLD MY TIMESSHARE. FALSE PROMISES, CAN'T CONTACT AGENT AFTER CC PAYMENT ATLANTA, ORLANDO Internet Author: MONTGOMERY, AlabamaConsumer Services : BLUE BAY ADVISORS, BUY AND SELL TIME SHARES,GLOBAL TIMESHARES Internet 12.2/11/2008 12:28:00 PM Blue Bay Advisors Took all our money, did not put our timeshare up for sale Orlando Florida Author: Laguna Niguel, CaliforniaRealtors : Blue Bay Advisors Florida Approximately 12 Reports Found Showing 1 - 12 | Showing Page 1 of approximately 1

BBB Reliability Report for Company Trader USA Inc This is not a BBB accredited business. BBB Rating = F Ratings Explanation... BBB assigns grades from A to F with pluses and minuses. A+ is the highest grade and F is the lowest. The grade represents BBB's degree of confidence that the business is operating in a trustworthy manner and will make a good faith effort to resolve any customer concerns. BBB issues Reliability Reports on all businesses, whether or not they are BBB accredited. If a business is a BBB Accredited Business, it is stated in this report. Find out more about this business:Reported on Thursday, January 8, 2009 8:10 PM BBB Accreditation BBB Rating Business Contact and Profile Alternate Business Names Products and Services Additional Locations and Phone Numbers Licensing Customer Complaint History Government Actions Advertising Review Additional Information Industry Tips BBB AccreditationBack To Top This business has not been accredited by BBB. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public. The name and logo of the Better Business Bureau is a federally registered trademark owned and controlled by the Council of Better Business Bureaus, Inc. (CBBB) The CBBB does not allow any company to use the name or logo without first signing a use agreement form and never as an implied endorsement. The BBB of Central Florida has written to this company requesting they remove all mention of accreditation in the BBB from their advertising as the company is not an accredited business of the Better Business Bureau. The company has not honored this request to date. BBB RatingBack To Top Based on BBB files, this business has a BBB Rating of F Click here for an explanation of BBB Ratings. Reasons for this rating include:Number of complaints filed against businessFailure to respond to complaints filed against businessNumber of complaints filed against business that were unresolvedNumber of serious complaints filed against businessBusiness Contact and ProfileBack To Top Name: Company Trader USA Inc Phone: (866) 728-9735, x105 Address: 37 N. Orange Ave., Ste 1010, Orlando, FL 32801 Google map Mapquest map Yahoo map Business Category: Timeshare Resale & Rental Marketing eMail: [email protected] BBB file opened: February 04, 2007 Business started: October 2001 Primary Contact: Mr Joseph Esposito (President) Complaint Contact: Mr Joseph Esposito (President) Other Contacts: Mr. Joe Espisito (Vice President) Alternate Business NamesBack To Top Blue Bay Advisors Bluebayadvisors.com Timeshare Trader USA Products and ServicesBack To Top This company offers an online advertising company for vacation property, timeshares, vacant land, and businesses. Additional Locations and Phone NumbersBack To Top 10350 Stone Glen Dr, Orlando, FL 32825, Orange County Google map Mapquest map Yahoo map (407) 275-2220 (FAX) (407) 472-3340 (FAX) Customer Complaint HistoryBack To Top The company's size, volume of business and number of transactions may have a bearing on the number of complaints received by the BBB. The complaints filed against a company may not be as important as the type of complaints, and how the company has handled them. The BBB generally does not pass judgment on the validity of complaints filed. Number of complaints processed by the BBB since the firm's BBB file was opened in February 2007: 23 in the last 12 months: 22 Complaints Concerned: Selling Practices (7 complaints) 2 Resolved 5 Company made every reasonable effort to resolve Advertising Issues (2 complaints) 1 Company made every reasonable effort to resolve 1 Company did not respond Service Issues (4 complaints) 2 Resolved 1 Company made every reasonable effort to resolve 1 Company did not respond Customer Service Issues (2 complaints) 1 Unresolved 1 Company made every reasonable effort to resolve Credit or Billing Disputes (2 complaints) 1 Unresolved 1 Company made every reasonable effort to resolve Refund Practices (2 complaints) 1 Company made every reasonable effort to resolve 1 Company did not respond Contract Disputes (4 complaints) 3 Resolved 1 Company did not respond Government ActionsBack To Top The BBB has no information regarding Government Actions at this time. Advertising ReviewBack To Top The BBB has no information regarding Ad Reviews at this time.