Premier Legal Advocates: Oregon AG Bans LA Loan Modification Company

California-based Premier Legal Advocates charged illegal advance fees for loan modification services it subsequently failed to perform

Attorney General John Kroger today announced a settlement that prohibits a Los Angeles County company from doing loan modification work in Oregon.

"This office will not tolerate companies that attempt to exploit Oregon homeowners who are facing foreclosure," said Deputy Attorney General Mary Williams.

The Oregon Department of Justice began investigating Bank Modification Experts of Woodland Hills, California, after receiving consumer complaints that suggested the company was violating Oregon's Mortgage Rescue Fraud Protection Act by collecting advance fees for loan modification work aimed at preventing foreclosure. The company refunded several Oregon consumers. Bank Modification Experts eventually began doing business from Agoura Hills, California as Premier Legal Advocates.

Under the settlement filed today Premier Legal Advocates paid $4,000 to the Oregon Department of Justice, refunded an Oregon consumer $2400 and must refund any other Oregon consumers who paid illegal advance fees. The company is also prohibited from doing any further foreclosure consulting or loan modification work in Oregon. The settlement does not admit wrongdoing.

Today's agreement is part of a concerted effort by the Oregon Department of Justice and the Oregon Department of Consumer and Business Services to protect Oregonians from widespread mortgage rescue fraud and abuses that have materialized in the recent economic downturn.

In June, the Department of Justice banned two other California loan modification companies -- Noah Savings Mortgage, Inc. and Liberty Law Firm, Inc. – from doing business in Oregon.

Mortgage rescue fraud is a continuing problem that Oregonians can avoid. Consumers should be aware advance fees for loan modification and foreclosure consulting work are generally illegal in Oregon. Consumers should always make sure that the companies they work with are properly registered with the Department of Consumer and Business Services through the Division of Finance and Corporate Securities.

"Homeowners should be wary of any company offering to help them modify a loan or avoid foreclosure," said David Tatman, administrator of the Department of Consumer and Business Services' Division of Finance and Corporate Securities. "Contact our department to make sure loan modification specialists are licensed – or consider calling a HUD-certified foreclosure counselor for free assistance."

For help with a loan modification problem, contact the Department of Justice through the Attorney General's Consumer Hotline: 1-877-877-9392 or online at: To verify whether a loan modifier is properly registered, check with the Department of Consumer and Business Services Division of Finance and Corporate Securities at

Oregonians can also call 1-800-SAFENET to find a nonprofit foreclosure consultant who will provide help at no charge.

Senior Assistant Attorney General Thomas K. Elden handled the case for the Oregon Department of Justice.

Attorney General John Kroger leads the Oregon Department of Justice. The Department's mission is to fight crime and fraud, protect the environment, improve child welfare, promote a positive business climate, and defend the rights of all Oregonians.

Tony Green, (503) 378-6002 |

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My name is Maurice "Moe" Bedard. I am the founder of America's #1 Mortgage Forum, My online work has been featured in the New York Times, LA Times, Fox Business, and many other media publications. I currently live in Carlsbad, California with my beautiful wife and children.
  • Melissa

    Kuddos to the AG of Oregon. Too bad California can’t step on. NUMEROUS complaints have been sent to him, but we get nothing. Not even a reply that the complaint was received. Brian Pascal and his workers from Premier Legal Advocates need to be put in jail. I feel so bad for the people who are now getting busy signals again at their new office. Luckily for me, after a hard fight, lawyers, and never giving up I got my $2,500 back, BUT I still lost my house. Shame on them!!

  • Sonny

    Hi Melissa,

    I currently lost $2750 and I would love some guidance on how I can seek litigation against Brian. Like you mentioned, they are not receiving my calls and I want to hire a lawyer but I don’t know anything about Brian or how to even start the litigation process since I don’t know his place of residence. Any help would be great, and I would encourage numerous people to follow litigation against him. If you can help me, we can bring justice to this person through multiple ways.

  • Jeremy Richard

    Hi my name is Jeremy and me and my family were ripped off by Premier legal advocates. I left my name and number on a website and over a thousand people contacted me. We will be getting together to file a class action law suit against them. My # is 337-990-2113

  • Sherrill Coleman

    We also have lost $1,996 from Premier Legal Advocates in California. I think they all need to be locked up and throw away the key. We had tried to work with that company and were lied to constantly. We still haven’t gotten our money back and am sure a lot of people have been scammed by this company. We have filed a claim with Oregon’s Attorney General and also the FBI Internet Fraud division. They all need to be brought to justice and the more people that complain, then something will happen.

  • Roxane Latu

    I too would like to be part of a class action lawsuit. My husband & I also got ripped off from Premier Legal Advocates. We lost $3496.00 and no modification. We live in Hawaii and are very disappointed that we fell for this scam! Not sure what direction to take, but we know that we need to do something!!! Premier Legal Advocates is not going to get away with this!

  • Roy Mcdaniel

    My wife and I were ripped off for about 3400.00……no modification…no money back..we live in Florida..anybody that wants to write us feel free..thanks Roy

  • Frances Drake

    My husband and I were also scammed by Premier Legal Advocates. I was particularly surprised, because we called them as the result of reading an article in AARP magazine — which made me think if was a legitimate operation. After we had paid part of their fee, I got a “bad feeling” and stopped any further payments to them. Still, we lost $600. I have called for months and tried every way I can think of to contact them and continue to bug them about a refund. But of course, to no avail. I have been considering a class action suit against them, and am glad to see that someone is doing this. I will contact the above number to join in. Thanks to so many of you who have the guts to do something about this. Unfortunately, not many of our State governments are willing to step in and help as Oregon did…we have to stand up for ourselves.

  • angela m frost

    i to was taken by premier legal advocates i have filed a lawsuit but i still need paid.. if any one can help contact me..