Orange County, California  ( – Green Credit Solutions, the notorious loan modification firm out of Orange County California has had their fair share of bad publicity over the last year. So bad that they had changed their name numerous times in order to shake their poor image or to simply evade legal authorities who have been investigating the company since 2008. They operated under DBA’s like Get Green Credit, Go Green Credit, Your New Credit Company, Guardian Credit Services, Green Credit Holding, Pac West Funding, Leads2Green and Green Credit Collections and Servicing. They appear to be operating as “International Work Flow” currently.

It seems like every month these guys pulled a new name out of the loan modification hat to operate under. I assume that they “thought” that this was some type of clever way to hide their mortgage misdeeds. When in reality, it proves that they were apparently trying to attempt to conceal what was already out in the open. It was nothing more than a loan modification ponzi scheme.

I guess you could say they are the Bernie Madoff’s of Loan Mods.

The owners and officers of Green Credit, Christopher Fox, Curtis Melone and Brian La Ruffa are still under investigation by several law enforcement agencies for their unscrupulous business activities that wreaked havoc on homeowners across the nation.

Pictured below are Curtis Melone on the left and Christopher Fox on the right. has obtained a copy of the original California Department of Real Estate accusations and complaint against these firms and their officers. This official DRE copy details the activities and accusations against this OC loan modification firm:

California DRE Accusations Against GREEN CREDIT SOLUTIONS INC.

Please Note: I personally do not have a vendetta for these guys or the firms they owned. My opinion is based on observing these activities and receiving over 100 homeowner complaints on my blogs, and You can read these blog post and complaints for yourself. If you have been ripped off or hoodwinked by Green Credit Solutions or have any pertinent information on any one of their various company aliases, please comment below.

Other blog posts by Moe:

  • Guardian Credit & Green Credit Solutions Rip Off Yet Another Homeowner
  • Green Credit Law Center, Solutions – Tell us your story!
  • Loan modification industry insider comments on Green Credit
  • Green Credit Solutions, Get My Credit or Whoever They Are This Week Raided By Police
  • Green Credit Solutions continues to elude homeowners & questions
  • Martin Mandelman – Is This ML Implode & Green Credit Solutions – A marriage made in homeowner hell?
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    Moe Bedard
    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.