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Under federal law, it is illegal for them to charge up front fees to assist with modifications to avoid foreclosure. See: Federal Trade Commission
. You would start by filing a complaint with the FTC. You should also file a complaint with the NJ Attorney General
's Office, since there have been complaints about unfair and deceptive practices as well. Finally, you need to contact the NJ bar, since there is an attorney by that name in NJ and if she is not performing as she promised for you then you need to file a complaint against her there.
Also, you can file suit against the group in small claims
court to recover your money since it sounds from you like they took it contrary to federal law and also that they are not performing as agreed upon in breach of their contract
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