The State Bar of California has a motion to be heard in Orange County Superior Court in Santa Ana on April 14th “for the purposes of complying with a criminal search warrant” against Curtis (Curt) Melone and Christopher (Chris) Fox and their long list of corporate entities.

On March 4, 2010, a Search Warrant was issued by Superior Court Judge Elaine Streger to turn over to law enforcement all the records seized in the December 2009 raid on the offices of Green Credit Solutions in Foothill Ranch, California. The evidence is currently being held by the State Bar in Los Angeles, California.

Background: In June of 2009 the Department of Real Estate issued a Desist and Refrain Order against Curt Melone, Chris Fox and their group of “Green Credit Solutions” loan modification companies in Irvine California. In December of 2009, the Department of Justice and the State Bar of California (assisted by other local agencies) raided the offices of Green Credit in Foothill Ranch, California, at this point renamed “Guardian Credit Services” with interim ‘seizure’ Orders. Those interim ‘seizure’ Orders were made permanent in January of this year. In February 2010 the Corporate, Broker and President’s (Curtis Melone) Real Estate Licenses were surrendered.

Pictured below are Curtis Melone on the left and Christopher Fox on the right.

From the attached Summary:

“On March 4, 2010, The State Bar of California was served with a search warrant by the California Department of Justice, commanding it to produce the originals of all the property in the State Bar’s possession relating to this proceeding, including files, business records, financial documents and communications.”

When the State Bar and DOJ raided Green Credit offices in December of last year, they left with about 6,200 client files, and what they call “a voluminous amount of loose documents and records,” not to mention the contents of the bank accounts.

The Warrant requests that the Department of Justice pick up the property based upon probable cause that it “was used as the means of committing a felony” and/or “tends to show that a felony has been committed or that a particular person has committed a felony.”

The Special Agent in charge for the State of California’s Attorney General office concluded there is probable cause to believe that Curt Melone, Chris Fox and others committed “theft by false pretenses… theft by embezzlement… and felony violations of the California Foreclosure Consultant laws…”  Per Special Agent Christopher Wagner (California Department of Justice, Bureau of Investigation and Intelligence, Office of the Attorney General)  “I believe there is probable cause that evidence of these crimes will be found in the GCS client files and records currently in the possession on the State Bar of California…”

Each count of violating the Foreclosure Consultant law is worth a year in jail. Felony theft? Embezzlement? Let’s see… over six thousand loan modification files… it’s anyone’s guess.

To the best of this writer’s knowledge, Curt Melone and Christopher Fox are still in the country… I spoke to both of them within the past 10 days by phone. One of their operations did have offices and bank accounts in Guatemala. Chris Fox is being ‘removed’ from his current residence in Monarch Beach. Curt may still be living in a rental in Laguna Beach, or moved back to a condo he owns in Huntington Beach.

Court documents referenced in this article:

Motion for Additional Orders — Superior Court of the State of California for the County of Orange, Case No. 30-2009-00329101
Warrant — State of California – County of Orange — SW No. 3997

By: Randall Marquis

Search for Mortgage Rates

Randall Marquis
Randall Marquis has been a Real Estate Licensee in California for over 22 years, most of that time spent in some aspect of the real estate and mortgage industries. Founder of a mortgage marketing site in the mid-nineties, he was the Senior Editor of The Mortgage Lender Implode-O-Meter for over two years. Randall lives and breathes mortgage & loan modification industry news daily. He can be reached directly at

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