Christopher Rojas, Irvine, California, is the subject of a civil lawsuit for running a foreclosure rescue operation that used multiple business names and failed to deliver on its promises to lower consumers’ mortgage payments. The lawsuit charges Rojas with multiple violations of Ohio’s consumer laws.
Christopher Rojas, working out of California, promised consumers that he would reduce their mortgage payments in exchange for fees of approximately $3,000 per consumer. Despite accepting substantial down payments, Rojas failed to provide beneficial services to consumers and failed to refund their money.
According to the complaint, Rojas also routinely changed his business names when consumer complaints begin to surface. Rojas has done business as National Juris Solutions, US National Legal Solutions, Weston & Wyatt, Merrill & Warren, and Legacy Holdings Group.
Rojas is charged with failure to deliver, a violation of Ohio’s Consumer Sales Practices Act, and charging excessive fees in violation of the Debt Adjusters Act. In the lawsuit, the Attorney General seeks injunctive relief, civil penalties, and consumer restitution.
Ohio Attorney General Mike DeWine announced the lawsuit.
“This individual takes thousands of dollars up front but fails to provide promised services,” DeWine said. “He also changes his business names regularly so he can keep operating in the same pattern without consumers catching on. With foreclosure rates still at historically high levels, we are committed to tracking down individuals who make false promises to save Ohio families from foreclosure.”
DeWine offers the following advice for consumers who are worried about making their house payments:
– Do not pay upfront fees for help avoiding foreclosure or obtaining mortgage relief. By law, companies are prohibited from charging and accepting fees for mortgage assistance relief services until consumers receive and accept a loan modification offer from their lenders.
– Research businesses before giving them any money or information. Check to see if consumers have filed complaints with the Ohio Attorney General’s Office and check a company’s reputation with the Better Business Bureau. Don’t use loan modification businesses that charge upfront fees.
– Contact Save the Dream Ohio. Call 888-404-4674 or visit www.savethedream.ohio.gov for free foreclosure assistance.
Consumers who believe they have been treated unfairly should file a complaint with the Ohio Attorney General’s Office at www.OhioAttorneyGeneral.gov or by calling 800-282-0515.