Green Credit Solutions

I was referred by Paramount Equity Mortgage to Green Credit to get a loan modification in Jan. 2009. I emailed the application by Paramount. I typed the application and emailed back to Paramount. I was told it would cost $3,500.00. The money was taken out of my checking account. I was unable to get any information about what was being done to get my loan modified. This went on for months.

When I finally got a hold of a Hector **, I was so upset that I told him I want my money back. He told me he would see what he could do to get my loan modified. Finally, after another month, I finally asked for a refund of my money. He said because of the contract I would only get $1,000.00 back, but I had to get my refund back from Paramount Equity! I did not understand why I would have to go to Paramount. I contacted Paramount, who looked into the situation at Green Credit and found out that nothing had been done to get me the loan modification and that I did not quality for the modification.

It took 9 months to come to this conclusion. Paramount was willing to give the $1,000.00 if I signed a Settlement Agreement. I refused to sign the agreement as I never had a contract with Paramount. I later found out why Paramount wanted me to sign the agreement. The State Bar seized all the paper work from Green Credit and asked if I wanted copies. I received the copies and found out that Paramount forged our signatures on the Green Credit application, they also change some financial information.

I am really upset that Paramount is still doing business. I am upset with Green Credit for ripping us off, but Paramount should have been doing the fiduciary duty to us. Can some one get Paramount. I am taking legal action, but want to know why they still have a broker license after all they have done to their customer. I have a time line of events the contract we signed and numerous emails for both parties. Please call if you would like to have copies of what I have.

I was referred by Paramount Equity Mortgage to Green Credit to get a loan modification in January 2009. I was e-mailed the application by Paramount. I typed the application and e-mailed back to Paramount. I was told it would cost $3,500.00. The money was taken out of my checking account.

I was unable to get any information about what was being done to get my loan modified. This went on for months. When I finally got a hold of a Hector Montes I was so upset that I told him I want my money back. He told me he would see what he could do to get my loan modified. Finally, after another month I finally asked for a refund of my money. He said because of the contract I would only get $1,000.00 back, but I had to get my refund back from Paramount Equity! I did not understand why I would have to go to Paramount.

I contacted Paramount, who looked into the situation at Green Credit and found out that nothing had been done to get me the loan modification and that I did not qualify for the mod. It took 9 months to come to this conclusion. Paramount was willing to give the $1,000.00 if I signed a Settlement Agreement. I refused to sign the agreement as I never had a contract with Paramount.

I later found out why Paramount wanted me to sign the agreement. The State Bar seized all the paper work from Green Credit and asked if I wanted copies. I received the copies and found out that Paramount forged our signatures on the Green Credit application; they also change some financial information. I am really upset that Paramount is still doing business. I am upset with Green Credit for ripping us off, but Paramount should have been doing the fiduciary duty to us. Can someone get Paramount? I am taking legal action, but want to know why they still have a broker license after all they have done to their customer. I have a time line of events the contract we signed and numerous e-mails for both parties. Please call if you would like to have copies of what I have.

I was referred to Green Credit Soutions by Paramount Equity in Roseville, CA for a loan modification. I paid Green Credit $3,500.00 in January 2009 to act on my behalf. I was led to believe that I would have an attorney negotiating the loan modification for me. I signed a contract that said I would receive $1,500. Green Credit was unable to negotiate a modification for me. I was contacted 3 or 4 times in the course of a year and told that they were still negotiating and that it was taking longer due to the high volume of new clients.

Eventually, I was asked to provide new bank statements and told that the company was represented by Guardian Credit. Their phone number was disconnected. I was given an email address at Pacific West Funding to a Rose ** whom I later discovered was a real estate broker. I recently was contacted by the California Bar Association, as my records were seized from Green Credit solutions, aka; Curtis Melone, Guardian Credit services, Green Credit Law center, Get My Credit Grade, Magus Global, and Erickson Law Group. After reviewing my file, it is apparent that very little was done on my behalf, and my lenders were only contacted once with a request to modify my loan.

I paid $3,500 in July 2008 for them to represent me in my home modification. They let me know that it would take about 60-90 days. Then they magically lost my file after they told me they had a settlement agreement. I have heard nothing since Dec. 2009. They changed their name to guardian and I located a phone number, but could not reach anyone. I know that we will never get our money back from this shady company. Hopefully, someone will go after them legally.

Every single complaint I've read on this site has been the exact situation I went through with GCS. I paid $3500 for them to help me. It took GCS 7 months to even get authorization with my lender. 7 months! Within those 7 months they told me they were actively working on my file. I could never speak to the person in charge of my file, and they wouldn't respond to emails. If I did get someone on the line, someone "had my file on their desk as we speak." I asked for my money back and they said no. They asked me why I was still paying my mortgage payment and said, "Who would get seen first at the ER--someone with a paper cut or someone with a heart attack?" I stopped making my payments for 5 months, thinking they were helping me. I feel taken advantaged of and small.

I had contacted Paramount Mortgage for a refinance on my home and could not qualify because the value of the property dropped. They recommended Green Credit Solutions for a loan modification and I was contacted by Brian E. I paid the $3500 upfront in November 2008. I sent all the documents to them like they requested and by February 2009. It went into negotiations with my mortgage company. I was told it will take longer than the 90 days because the feds took over the bank in July of 2008.

I didn't hear anything until July 2009 when Laura C contacted me and said that Guardian Solutions had taken over Green Credit Solutions and they would handle the account. They asked for more documents and they were sent promptly. That was the last I heard. I tried contacting by e-mail and by phone. I saw on the 18th of January 2010 that both companies were in trouble with the BBB and Attorney General of California for bad business practices. I tried faxing a request because the phones and e-mail weren't working with no luck.

I was an agent for them giving them credit card debt settlement files and was supposed to give me a commission, they quit paying me after one payment. They said they don't have any money to pay me.

They scammed us out of $6885.88. We paid them $4490.00 to do a loan modification, which they never did. Then one of their employees kept calling us telling us if we went into their Debt Settlement program then they could get a better deal for us on our loan modification. So we signed up for that and they got another $2395.88 of our money.

They were going by the name Green Credit Solutions and then changed to Guardian. The debt settlement part of their firm was going under Green Credit Law Center and then changed to Erickson Law Group. I want all of our money returned to us, $6885.88, in a Cashiers Check.

My husband is a 100% disabled Vietnam veteran. We have been struggling financially and trusted this company to help us. I took $4490.00 out of my IRA so they could do a Loan Modification for us on our 1st and 2nd home loans. Then they took another $2395.88 from us for the Debt settlement program.

I had to quit paying on the credit cards so we could pay into the debt settlement program. Now our home loans have not been modified, they have scammed us out of $6885.88, and my credit is destroyed. Plus the tremendous amount of stress that we are now enduring.

In February 2009 I paid $3500.00 to Green Credit Solutions for a loan modification. They changed their name to Guardian Credit Solutions in August 2009. During the period of February 2009 - August 2009, on several occasions I provided my wage and bank statments, morgage information, tax returns and hardship letters. I was told many times they were working on the modification. My house was scheduled for foreclosure on September 21, 2009. I filed Chapter 13 bankrupcy in an effort to save my home. I have requested a full refund and they have refused to refund any money. I feel so foolish for paying fees in advance, however the lender would not work with me to modified my loan. I felt this was my last option for a modication. I paid $325,000.00 for my home in August 2005 and it is now valued at $186,000.00. I have suffered a 15% cut in pay for the state and have suffered from a medical illness. I really want to stay in my home. This was long time investment, I justed needed lower payments.

I paid $3500 for a loan modification on 7/31/09 and and 8/14/09. I was told to submit a financial packet with income and a hardship letter that they would assist me writing. I was told that I would be contacted by credit advisers of at least 3-4 people asking me for more documents. I was told that later I would be assigned a representative to contact to inquire as to the status of my loan modification. I waited for over a month, then I started contacted them, but never received a response.

Unfortunately I looked online to discover that they no longer existed. They never provided me with any of the services that I had paid $3500. This has been very stressful and financially has put me in a bind. Also my loan has now reset and I'm now worse off than ever before. Please help me get my money back and or any other agencies that can assist me in this matter.

I called and cancelled their services, requesting a total refund of monies paid. They are playing a 'cat and mouse' game with me. I will be forced to take them to court.

I paid Green Credit 3500 to help with my Loan modification and they have done absolutly nothing. Phone is always busy and website is now shut down or blocked. I cant get in to talk to anyone to request a refund, not like it will get me anywhere anyway...

we payed green credit solutions 3500 dollars a year ago to help w/ a loan modification. after repeated attempts to contact this company we still have never recieved a progress report. We have never get any return calls. We requested a refund but have never gotton a call back. we have no choice but to either short sale our home or have the bank foreclose.

paid $3500.00 for nothing. They illegally collected my money and are still doing working on modifications even though they have received a cease and disist. Trying to get a refund

back in June I applied for a loan modification thru New Loan Solutions in Lodi from Jessica Emery. She submitted my modification agreement to Green Credit Solutions and collected $3495 payable to Harris Smith & Associates. Upon them not ever working on my loans and not returning my phone call I began to worry and decided to cancel the modification. My agreement clearly states that I am entitled everything back except for $995.00 I have filed a police report for fraud. New Loan Solutions along with Green Credit Solutions are refusing to refund me my money back. They are each blaming the other saying the other is responsible for paying me my money back. Both companies are mis representing them selves and are not registered thru the DRE. The law clearly states that in order to do anything that involves a loan modification you have to have your DRE Liscense and they do not.

I have requested and paid this company for assistance in a loan modification. It has been approx. 1 year and I have not received any progress report. I have left several messages, requesting a complete refund but no one has returned my calls. I am very frustrated with the company.