4/7/2010 11:09 AM (PST)

Hi Alan,

I checked the company's reviews on TrustLink, and there's a review posted by Jamal S. voicing his concerns with the mailing as well. He also notes there's no return address or company name, just the 888 number you mentioned. The company replied and stated that "This review seems to be reflecting offices and/or companies that have no affiliation with us. This person was able to locate our contact information from the BBB and did in fact talk to one of our employees from the main office, and all
questions were answered and any confusions were handled as they stated to our main office", so based on that information I do not believe the mailing is from Quest Financial Solutions but perhaps a company posing as them. With such a vague mailing received, it's probably something better off being thrown in the garbage.

4/12/2010 6:55 AM (PST)

I agree with Sam S. If they are charging up front fees, RUN :)

You can give Springboard Non Profit Consumer Credit Counseling a call and speak with a HUD certified counselor for Foreclosure Prevention counseling as well as credit and debt counseling. Springboard is part of the Homeowners Hope Hotline.
You do not pay for this counseling service.

There are many programs available for families to keep their home, Springboard will partnership with you to get an understanding of your current situation and gather information about your living situation. Gathering this information will help in finding solutions and resources that can benefit you and help with getting a resolution for you with your lender.

Ultimately, the goal is to help you create a realistic financial situation where you will be able to maintain your home long term. If appropriate, Springbord will also facilitate a 3 way call with you and your lender to discuss the loss mitigation options that may be available for you. Have your loan information handy as well as your basic income and general expenses. If you have high credit card debt, you may benefit from credit and debt counseling as well.

I would like to stress again, you do not pay for this counseling service and no company can guarantee a modification. Call 800-449-9392


Effective October 11th, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All services must be fully completed before any charges can be imposed. It is also illegal to divide advance fees or services into components for the purpose of avoiding this law.

State regulators, the FTC, and other federal regulators recommend that homeowners should never pay any up-front fees and be on the lookout for high-pressure sales tactics. Effective October, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All modification services must be fully completed before any money can be collected. It is also illegal to divide fees or services into components for the purpose of avoiding this law. HUD approved housing counseling agencies are exempt from this law and since I work for one of these, I of course recommend that homeowners start their loan mod journey by calling us first. Our nat’l hotline is (800) 449-9392

Call 800-449-9392 and let your counselor know you heard about them on TrustLink.

4/12/2010 6:42 PM (PST)

I recently contacted this company (Quest), and they are NOT charging any upfront fees from what I have gathered. I called the same number on the mail piece too. They clearly state that they are completing services beforehand. So that seems legit. However, one thing that concerns me, and why I havent moved forward, is that when you google their business name or any search the internet, you will find many bad reviews from this company, but in other states. I am wondering if this is the same company, or is it even legal to have the same business name as other companies. All their contact info is in California, so maybe not. Maybe easier to just be safe and go through a Govt program. But I also heard that theres not alot of good news or dependency on those HUD or Govt programs anyways. Maybe we all should do these are selves. haha