Take Charge America

We where assigned to work with them as part of the hardest hit or save our home program. We where kept on the program for over two years during which time we paid all but maybe $25 a month in what would ultimately be waived fees. Our aim was to be able to have help with principle reduction . When we got off the program they said they where not going to graduate us from the program because our primary income was from a temp position as all entry level banking jobs where at that point . We argued that there was my income as well and my partner was always able to increase his gig work as he had to get us back on track and able to pay so much of the mortgage each month we where in the program. They could provide no rule or policy that would support their decision and kept changing whose rule it actually was. I contacted my congress person who tried to help but was limited to DOJ actions but explained that gave some leverage with the big banks on certain items. Take back America would not help in finding out the name of our loan servicer, they refused to honor the initial report we received declaring that we had graduated from the program, falsely claimed we had failed to make one of our payments which we where able to establish. Lied about contacting our servicer and original lender about a loan modification. Did not return phone calls or would call at closing time and leave a message before the weekend or a critical deadline and drug their feet providing requested documentation when I was successful in contacting our servicer and getting their approval of a loan modification. Because they did not graduate us from the program we where not able to be considered for principle reduction. When they sent our final document about our involvement in the program they mistakenly included a similar form for another customer on the back side of ours which informed us that this individual had been provided over 20,000 dollars assistance on a second home and we found them listed on the sex offender registry which doesn't prohibit involvement in the program but was salt in a wound. What it comes down to is that they came in late in the game on the save our home program and where complicit in efforts to divert capital into demolition and new development by loaded investors. The source of the capital where the 45,0000 dollar loans those in the program had to sign off on to be in the program and had to be returned if that person does not complete and graduate from the program but that gives them two years or more with access to capital that they can collect interest on. That is in part why Obama was able to say that the ecconomy was so strong when he left office because the DOJ was funding a whole industry of financial relief staff as well as redundant construction and development jobs in the states with the highest unemployment and a glut of bank owned homes to tear down and rebuild and hundreds of thousands of struggling homeowners they needed to keep treading water till they where able to mobilize on the next round of repossessed homes when they denied help to more than half the people they admitted to the programs for most of the time the whole racket was in operation, We kept our home but we paid dearly for what help we may have received and will continue to at a 5.25 rate over the next 40 years, Let's just say I am not a fan of take charge America.

They claim to be a non profit organization, but they want $75 EVERY TIME they made a phone call. I paid them the equivalent of $300 an hour. I could have hired a lawyer for that. I refused to pay for a follow up. After a bad review, they reached out to me saying that they had found some grant money and wanted to help me after all. Then when I called, they tried to charge me AGAIN! They claimed that their offer was for new clients only. The mind boggles as to how they can claim non profit status.

I tried to get credit counseling help. It's on their website they help with this. When the woman who I talked to found out I don't need a debt reduction plan she was completely unhelpful, she told me to go to annualcreditreport.com and figure it out. I don't know how they stay in business. I went with another agency.