UPDATE – May 28, 2014: The FTC announced today that checks totaling nearly $3 Million are being mailed to consumers victimized by the Prime Legal Plans scheme.
The Federal Trade Commission ("FTC"), the nation's consumer protection agency, has settled the lawsuit it filed against Prime Legal Plans, LLC and others. In the purported mortgage assistance relief services scheme (the "Prime Legal Plans scheme"), the defendants promised consumers that they would prevent foreclosure or significantly lower their mortgage payments by conducting audits of consumers' loans and providing access to full-service, expert legal representation to fight their lenders. But instead of helping consumers, the defendants charged them illegal advance fees while delivering little or no help.
The FTC announced today that consumers victimized by the Prime Legal Plans scheme will receive a share of the money the FTC was able to collect from the lawsuit. If you are a victim of the Prime Legal Plans scheme (see below for a list of companies involved), you may need to inform the FTC of your new mailing address.
To contact the FTC's claims administrator, Gilardi & Co, LLC, with your new mailing address, or if you have questions or concerns regarding the status of your refund, you can:
Call the claims administrator’s hotline: 1-877-291-8511
E-mail the claims administrator at: firstname.lastname@example.org
Mail the claims administrator at:
FTC v. Prime Legal Plans, LLC
c/o Gilardi & Co. LLC
P.O. Box 8060
San Rafael, CA 94912-8060
The FTC's press release regarding this case is posted on the FTC's website and below:
The Federal Trade Commission, through an administrator, is mailing checks totaling nearly $3 million to over 6,300 consumers who were victims of a mortgage relief scheme. Using names such as Prime Legal Plans and Reaching U Network, the defendants allegedly made false promises that they could help consumers save their homes from foreclosure or lower their mortgage payments.
The checks must be cashed on or before July 21, 2014. The amount consumers will receive varies depending on how much they lost. Consumers who have questions should call 1-877-291-8511 or visit www.FTC.gov/refunds. The FTC never requires consumers to pay money or provide information before redress checks can be cashed.
Consumers should carefully evaluate offers of help in lowering their mortgage payments or saving their homes from foreclosure. Consumers should also know that it is illegal for anyone to collect money up-front for loan modification or foreclosure rescue services. For more information see: Mortgage Relief Scams.
Please be on the lookout for a letter from the FTC or its claims administrator, Gilardi & Co., LLC. Checks being sent to consumer victims are likely to look similar to the following:
Case History and List of Companies in the Receivership:
On Monday, September 24th, 2012, the United States District Court for the Southern District of Florida (the "Federal Court"), entered a Temporary Restraining Order ("TRO") which prohibits Prime Legal Plans LLC, together with its related entities, and the individuals who control and/or work for Prime Legal Plans LLC (collectively "Prime") from contacting homeowners and seeking to or collecting any monies from consumers for mortgage assistance relief related services.
On Thursday, September 27th, 2012, the TRO was served and effected upon Prime by the Federal Trade Commission (the "FTC"), who filed the lawsuit that led to entry of the TRO, and the court-appointed receiver, Charles H. Lichtman, Esq., (the "Receiver"), who shut down Prime and took control of its property and assets. Among other things, the TRO requires the Receiver to preserve all of Prime's computer data, documents, or other records related to Prime's business practices that are the subject of the TRO.
On October 12, 2012, the TRO was converted into a Preliminary Injunction and Order Continuing Asset Freeze and Other Provisions of the TRO, and Appointing a Permanent Receiver (the "Preliminary Injunction"). The Receiver has also been charged with protecting the interests of the consumers by investigating matters related to the receivership defendants and potentially bringing lawsuits to recover money for the benefit of any victimized consumer. This process is underway, and we encourage all consumers to periodically check this website for information and further, to contact us with any information if they feel they have been treated improperly by any receivership defendant, person or related party. The legal entities placed under the Receiver’s control include:
1. Prime Legal Plans LLC
2. Consumer Legal Plans LLC (Nevada)
3. Consumer Legal Plans, LLC (Wyoming), also d/b/a CLP Associates
4. Freedom Legal Plans LLC
5. Frontier Legal Plans LLC
6. Reaching U Network, Inc. also d/b/a
a. Legal Billing Services
7. 123 Save A Home, Inc.
b. Legal Servicing Partners
c. Forensic Auditor Services
d. 123 Save Our Home
e. Save Our Home Plan
f. Home Savers
g. Legal Network Association
h. Homeowners Rescue Mission
8. American Hardship LLC
9. Back Office Support Systems LLC
10. Consumer Acquisition Network, LLC also d/b/a
a. Consumer Legal Network
11. Legal Servicing and Billing Partners LLC
b. Legal Servicing & Billing Partners
c. Forensic Auditor Services
d. Telefunding Service
f. First Capital Land Trust
g. Florida Land Trust Consultants
12. Affiliate Management Group LLC
13. Attorney Network LLC
14. Debt Soft LLC
15. Distribution & Processing LLC
16. Free Assets WY LLC (a/k/a Free Assets LLC)
17. Management Solutions WY LLC
18. Office One WY LLC
19. Software Solutions WY LLC
20. DR Enterprises LLC
21. JD Enterprises LLC
22. Executive Holdings Offices, LLC
23. Trident Services & Billing LLC
24. UKLI Holdings LLC
25. U.S. Ventures LLC
26. Litigation Strategies LLC
27. Lazanh Holdings LLC
28. Avera Systems USA, Inc.
29. Bush & Brenner LLC
30. Continental Legal Plan, Inc.
31. Office One Nevis LLC
32. Soft Nevis LLC
33. Free Assets Nevis LLC
34. Office 2 Solutions LLC
35. Nevis Audit Company LLC
36. Back Room Nevis LLC
37. Attorney Nevis LLC
38. Nevis Management Solutions LLC
39. Affiliate Nevis LLC
40. Nevis Service & Billing LLC
41. Nevis Access Company LLC
42. Next Era Group LLC
These entities may also do business under one or more names.
Please see the "Documents" section of this website for more information about the FTC’s lawsuit against the defendants in this case.
The Receiver will continue to update this website with relevant information, as developments warrant.