In August 2014, consumers reported to Business Consumer Alliance that Pristine Loss Mitigation (“Pristine”) is sending letters to their clients alleging they have gone out of business. The letter reportedly claims their former attorney, Thomas J. Parrott, separated himself from Pristine and in doing so has caused them to close their doors. Furthermore, Pristine states case files are being reviewed and evaluated by SCC Law Group for the best solution for the client’s needs. Clients are asked to contact SCC Law Group to set up a meeting, or if they have any questions regarding their case. Other clients are reporting that Pristine informed them the fees they collected for loan modification services will be credited toward cases now handle
s handled by SCC Law Group.
Business Consumer Alliance urges caution when asked to pay fees upfront for mortgage relief services. The FTC MARS Rule makes it illegal for a company offering mortgage assistance relief services to collect any fees, regardless of the form, until it provides a written offer for a loan modification or other relief from your lender and you accept the offer. They must provide you with documentation from your lender showing the changes to your loan if you decide to accept the lenders offer and clearly tell you the total fee they will charge for their services. It is illegal to divide fees or services into components for the purpose of avoiding this law.
Under the same rule, attorneys who offer mortgage relief services can require an advanced fee ONLY if they: are licensed to practice law in the state where you live or where your house is located; they’re providing you with real legal services and providing mortgage assistance relief services as part of the practice of law; they’re complying with state ethics requirements for attorneys; AND, they place the money in a client trust account, withdraw fees only as they complete actual legal services, and notify you of each withdrawal.
If you are a client of Pristine Loss Mitigation, you may file a complaint with Business Consumer Alliance. Business Consumer Alliance has a long history of working with state and federal government agencies and frequently communicates with them relaying information provided from complaints and information provided by the public.
A separate report for SCC Law Group is available.
Check out BCA's Scam Watch article on SCC Law Group and Pristine Loss Mitigation.