| Lanier Law Group |
| Lanier Law Group ClearPoint Financial Solutions -- Jacksonville, FL -- Homeowners are contacted by phone, these two companies say they will get a |
| 2nd of May, 2011 by User301237 |
| Lanier Law LLC (Michael W. Lanier) and ClearPoint Financial Solutions --- Jacksonville, FL Via a telephone call, was lured in by these two companies to have a mortgage modification done. Guaranteed IF the loan modification could not be done, any funds already paid to the Lanier Law LLC (Michael W. Lanier) office would be refunded, "because we are not the type of company to take money for services we are not able to provide you". Once I received a call saying "you have been approved for the program and your worries are over" (that takes 24 to 48 hours), the consumer receives a packet of information about the legal services the consumer will receive for the $2,700 paid to Lanier Law LLC (Michael W. Lanier). The information is marked "time sensitive", the paperwork needs to be completed, three checks dated 30 days apart (i.e. 3-1-11, 4-1-11, 5-1-11), the packet is sent back to Lanier Law LLC (Michael W. Lanier) and ClearPoint Financial Solutions and the consumer is told the "mortgage modification" Lanier Law LLC (Michael W. Lanier) will be getting done for you as the consumer, will lower your mortgage close to half of what it originally was. The first check for Lanier Law LLC (Michael W. Lanier) is cashed immediately, days and days go by, you now have no response from anyone and start to get a little worried. However, if you, as the consumer, can get anyone to answer the phone after going through a myriad of phone numbers, extensions, transferred from one person to another, no one has any answers, you are finally connected with an assistant to the attorney at Lanier Law LLC (Michael W. Lanier) and told everything is fine, the attorney will be contacting you, "they" have everything under control, "they" are very busy, but "you have nothing to worry about and you will receive a call within 48-72 hours with an update". WRONG...you have a lot to worry about as the consumer, your checks are being cashed, your money is gone, and you still have received NO legal services...and you guessed it, no call from the attorney representing you as the consumer, is ever received by you. Then the next check is cashed and you, as the consumer, still have no answers. After weeks and weeks passing, so many phone calls ignored, e-mails ignored, no return calls to you as the consumer, and no return e-mails to you as the consumer, you do now realize you have been lied to and simply ripped off. The wonderful Lanier Law LLC (Michael W. Lanier) office and ClearPoint Financial Solutions who claim to be upstanding and "we have a wonderful reputation"....that is absolutely not true, be careful, DO NOT BE THEIR NEXT VICTIM. I now personally know, and am very close to, another person that Lanier Law LLC (Michael W. Lanier) and ClearPoint Financial Solutions did this exact "dance" with. He is also out his money, no "mortgage modification" was ever done, Lanier Law LLC (Michael W. Lanier) simply was paid $2,700 by that consumer as well. Obviously, there is quite a racket going on in Jacksonville, Florida by these two so-called "companies". I most certainly have filed a complaint with the Florida Bar Association AND will also be reporting to the Better Business Bureau AND will be filing a report on every single "scam" website the Internet has to offer. I seriously hope enough people will see this complaint and use it as a learning tool to stay away from any affiliation with Lanier Law LLC (Michael W. Lanier) and ClearPoint Financial Solutions based in Jacksonville, Florida so less people have this happen to them. My biggest question for these types of people is, how do they lay their heads down on their pillows at night and go to sleep knowing so many Americans are struggling with our economy as it is now, yet they have no conscience and no problem ripping people off? WOW! Pretty sad example of human beings if you ask me. |
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Thank you for your detailed informatiion. We were just about to jump off the deep end with this Company.
We certainly cannot afford to be "ripped off"
Again thank you for your excellent warning.
Carol Edwards |
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| thank you for your imformation we where about to sign the documents and send them back. God bless you men!!! |
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| Please do not work with this Law firm... |
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User 301237 -- I wish I have read your blog before I started dealing with Clearpoint and Lanier Law. My experience is very similar to yours. I received a phone call, about how Clearpoint could lower my interest rate. I wasn't behind, I wasn't in foreclosure...but, i was struggling with a high interest rate.
Four months later, I'm out $2800 and 4 months behind on my mortgage. And, my contract was cancelled because I made payment arrangements with HSBC. I don't feel they were honest with me...for 2 months the checks were cashed but I didn't receive any information on my loan modification.
Then, I was told I had to call back every 10-14 days ---
Please note -- Lanier covers themselves by stating that they do not guarantee a loan modification -- I didn't have a problem with that --- but, I do have a problem with not performing the services. My loan modification indicated we were having a "hardship"...According to HSBC...there was no hardship. I don't believe that the negotiator could have ever gotten us a loan modification...
Good luck trying to get any information on exactly what "services" they are providing...
They tell you about all the loan modifications that they have done...so, why was mine so difficult? Where is the proof...? You would think if you received one...it would be posted on the webpage...to "draw" more people in...
I did file a complaint with the BBB of Florida
Buyer beware |
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| Also, Lanier Law LLC has an "F" rating with the .BBB... |
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| If they have taken our money already is there anyway to get our money back? |
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Real Testimonials:
“A quick note to say thanks for all of your help. You accepted our file after several other so-called experts had given us bad advice or even abandoned us at literally the last minute. Our sale date has been postponed just like you said it would be. I understand there is still work to do but I am confident we are in good hands. I want to say THANK YOU, from my entire family, Nicole (My Wife) Kaya (My daughter 3 years old) and Chase (My one year old son). This is our home and we will fight to keep it. Your knowledge, experience and confidence gave us tremendous peace of mind through a very difficult and sometimes, as you well know, very stressful time. There are a lot of people out there touting how great they are, but you actually do what you say you will. Keep up the great work.
Kindest regards,
The Ashley Family”
“I recently acquired services through Lanier Law LLC regarding my unsecured credit accounts. I was in over my head with all the high monthly payments that were not making any difference in my account balances. By seeking legal assistants to work with the harassing credit card companies, the accounts were worked out to significantly lower amounts saving me close to $12, 000.00! Now, we finally have the financial stability we had been lacking with this black cloud of debt hanging over our heads.
Thank you to the team of attorneys and paralegals who helped my husband and I get these card companies off our backs once and for all.
Carrie Ann Mitchell
Denver, CO”
“PLEASE READ before you let your lender take your home illegally! That’s right I am a homeowner and have lived in the same home with my family for 15 years and Bank of America serves me telling me of a date they will auction my house to the public. I spoke with a very nice gentleman who not only postponed the sell but proved the fraudulent actions taken against my wife and I by the lender! There are programs out there that work and this is one of them! God bless you for saving my families home! With the legal services of Mr. Michael W. Lanier we were able to push for a modification and keep our home!
Joe Jinkins
Sacramento, California” |
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Hello,
My name is Michael W. Lanier. I am an attorney here in Florida that specializes in Foreclosure Defense. Through my real estate and mortgage experience, my firm has also become very proficient in submitting loan modification requests for its clients in the course of their representation. I have a very professional and hard working staff, but we are human, and as we all know you can't please all of the people all of the time.
I do not get the benefit of knowing a homeowners real situation until we have spent many hours with them. Many times we will find people are further behind in their mortgage, more over their heads in debt to income ratios or are simply not responsive to document requests we make based on our negotiations with their bank. These types of pitfalls can derail even the best of intentioned plans.
Most importantly, we are not a scam. Far from it. We are an office of about 15 red blooded Americans that look to give a hard days work for a hard days pay. We never guarantee an outcome, but we work like we do. We have a strong 80-85% success rate in finding some form of work out between our clients and their lenders. We are proud of that. Compare it to when most folks that try to submit a loan modification request on their own, they have a 3-5% success rate. Even at 85% though, that still leaves a 15% chance that we won't have a happy outcome for a client. Please don't assume that 15% will be somebody else.
When you hire us, just like when you hire an attorney for a DUI or a Divorce, we can't guarantee which side your case will fall on. If you are referred to us by a friend or an agency, the same applies. Just because we had success for someone else, doesn't mean your matter will be a walk in the park for us.
I appreciate you taking the time to read this note. The field my firm has chosen is not easy. It is very personal for you. Your home is the home you picked over all the others. It's the place you pull your car up to every day and put your kids to bed in every night. I know this and I don't take that lightly.
I wish you the best. Please contact me if you have any questions regarding me or my firm.
Thank you,
Michael W. Lanier, Esq
904-568-1750 |
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| Its a nice speech he has listed above...however, you are still cashing our checks, we cannot get ahold of you and now our house is BACK on the auction site. Nobody will call us back...our case manager is John Hartman. Where is he?? ...this "red blooded American" that fights his ass off?? We have called the number you listed above...nobody gets back to us!! Thanks! I sure will be trying to stop these checks. |
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| We had exactly the same horrific experience as those who were contacted by the Lanier firm as Lanier promised a loan modification. However, we didn't fall for the scam of "paying" up front. After months of delays by Lanier because my husband refused to pay prior to delivery of a modified note, we finally spoke our lender to see if they had been contacted by anyone, including the Lanier Law Firm, attempting to modify our loan. They stated "absolutely not." We then filed a complaint with the Bar Assoc. of Florida. They took our complaint very seriously and have opened a file to investigate and potentially to prosecute the Lanier Law Firm for several violations of the law governing attorneys. We encourage others who have been approached Lanier and found the same experience as we did to contact the Bar at 850.561.5845 and refer to file # 2012-00, 710(4A). |
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