Frequently asked questions


  1. What is the lawsuit about?

    The Consumer Financial Protection Bureau, or CFPB, is a federal government agency that enforces laws that protect consumers. The CFPB filed a lawsuit against Chance Gordon, Abraham Michael Pessar, and their companies for violating federal consumer-protection laws. In our lawsuit, we alleged that Gordon, Pessar, and their companies promised to help homeowners substantially reduce their mortgage payments, enroll in government mortgage programs, or stop foreclosures. But they did not provide the services they promised. To convince homeowners to sign up for their services, they falsely suggested that they were affiliated with or endorsed by the government. They also charged illegal upfront fees. The enclosed check is a refund of those fees.

    The CFPB charged that the defendants violated the law by operating a nationwide loan modification scheme. In the lawsuit, the CFPB alleged that the defendants:

    • illegally charged consumers upfront fees for mortgage assistance relief services that consumers rarely, if ever, actually received;
    • falsely promised consumers that they would get mortgage loan modifications that would substantially reduce consumers’ mortgage payments and interest rates or help avoid foreclosure; and
    • falsely suggested that they were affiliated with or endorsed by the Government.

    These acts violated the Consumer Financial Protection Act, the Mortgage Assistance Relief Services Rule, or both. The CFPB also alleged that defendants violated federal law by advising consumers to stop paying their mortgages without also warning the consumers that doing so could damage their credit ratings or cause them to lose their home. The CFPB also alleged that the defendants illegally instructed consumers not to communicate with their lenders. As a result of this federal lawsuit, checks are being sent that represent the fees that consumers paid these companies.

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  2. Why did I receive this check?

    You received a check if you were a customer of the defendants or one of their businesses, according to the companies’ records.

    In our lawsuit, we alleged that Gordon, Pessar, and their companies promised to help homeowners substantially reduce their mortgage payments, enroll in government mortgage programs, or stop foreclosures. But they did not provide the services they promised. To convince homeowners to sign up for their services, they falsely suggested that they were affiliated with or endorsed by the government. They also charged illegal upfront fees. The check is a refund of those fees.

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  3. Who are the defendants in this lawsuit?

    The full list of defendants and businesses include:

    The Gordon Law Firm, P.C.
    Resource Law Center
    Resource Legal Group
    Processing Division, L.L.C.
    Division 1
    Home Savers National
    The Relief Network
    National Legal Source
    Resource Law Group
    Gordon & Associates
    D1 Companies
    Division One
    D1 Marketing Solutions
    Relief Network
    The Law Offices of Chance E. Gordon
    The Law Offices of C. Edward Gordon
    The C.E.G. Law Firm
    Division One Investment and Loan, Inc.
    Division One Business Solutions
    Relief Council
    Qualification Intake Department

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  4. How do I find out more about this case?/ Can I get more information about the allegations and complaints in this lawsuit?

    Additional information on the case is available on the CFPB’s website. The link to the final court order can be found here.

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  5. Where did this occur?

    This case impacted homeowners nationwide across the country. Additional information on the case is available on the CFPB’s website. The link to the final court order can be found here.

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  6. What is this case about? / What laws were violated?

    The CFPB complaints alleged that the defendants violated the law by operating a nationwide loan modification scheme. In the lawsuit, the CFPB alleged that the defendants:

    • illegally charged consumers upfront fees for mortgage assistance relief services that consumers rarely, if ever, actually received;
    • falsely promised consumers that they would get mortgage loan modifications that would substantially reduce consumers’ mortgage payments and interest rates or help avoid foreclosure; and
    • falsely suggested that they were affiliated with or endorsed by the Government.

    These acts violated the Consumer Financial Protection Act, the Mortgage Assistance Relief Services Rule, or both. The CFPB also alleged that defendants violated federal law by advising consumers to stop paying their mortgages without also warning the consumers that doing so could damage their credit ratings or cause them to lose their home. The CFPB also alleged that the defendants illegally instructed consumers not to communicate with their lenders . Ultimately, homeowners across the country lost thousands of dollars and suffered significant economic injury, including losing their homes.

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  7. How much money did Gordon et al. collect from consumers? Are they still in business?

    The defendants collected several million dollars from harmed consumers. The CFPB lodged its complaint against the defendants in July 2012 and the court ordered it to stop doing unlawful business the next day.

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  8. Who is the CFPB?

    The CFPB stands for the Consumer Financial Protection Bureau. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act) established the CFPB.

    Congress established the CFPB to protect consumers by carrying out federal consumer financial laws. Among other things, the CFPB:

    • Writes rules, supervises companies, and enforces federal consumer financial protection laws
    • Restricts unfair, deceptive, or abusive acts or practices
    • Takes consumer complaints
    • Promotes financial education
    • Researches consumer behavior
    • Monitors financial markets for new risks to consumers
    • Enforces laws that outlaw discrimination and other unfair treatment in consumer finance

    To learn more, visit http://www.consumerfinance.gov.

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  9. Is this a scam? How do I verify that this is legitimate?

    No, this is not a scam. If you wish to verify that Epiq Systems is are contracted with CFPB to conduct claims administration in this case, you can do so by calling CFPB directly at (855) 411-2372 or visiting their website: http://www.consumerfinance.gov/budget/civil-penalty-fund and click on the link that says, Gordon et al..

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  10. What is the Civil Penalty Fund?

    When a person or company violates a federal consumer financial protection law, the Consumer Financial Protection Bureau can bring an enforcement proceeding against them. If that person or company is found to have violated the law, it may have to pay a civil penalty, also known as a civil money penalty. When the Bureau collects civil penalties, it deposits them in the Civil Penalty Fund. For more information on the civil penalty fund, please visit the CFPB’s website: http://www.consumerfinance.gov/budget/civil-penalty-fund .

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  11. If I receive a check with instructions to pay a fee or to provide additional personal information, what should I do?

    The Consumer Financial Protection Bureau, or CFPB, never requires consumers to pay money up front or provide additional information before consumers can cash refund checks that CFPB has issued.

    If anyone claims that they can get you a refund but asks you for money, it could be a scam. Please contact us right away if this happens to you or if you have other questions about this matter.

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  12. What is your address?

    You may contact us in writing at:

    CFPB v. Gordon et al.
    Third-Party Payment Administrator
    PO BOX 5053
    PORTLAND OR 97208-5053

    Please note that information you submit is treated in accordance with the Privacy Act, which you can view here.

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  13. The check is not made out in my correct name. What do I do?

    If you have changed your name, or the name on the check is incorrect, and you are unable to deposit the check, we can reissue the check. To help us do this, please return the original check to us at PO Box printed in the second paragraph of your check stub, along with a letter of explanation and copies of any documentation that support the name change. We can then reissue a check.

    Please note that information you submit is treated in accordance with the Privacy Act, which you can view here.

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  14. The person to whom the check is made out is deceased. What do I do?

    If the person whose name is on the check is deceased and you cannot cash the check, we can reissue the check to the person’s beneficiary. To do this, please mail the original check to us at the PO Box printed in the second paragraph of your check stub, along with a copy of the death certificate and documentation showing that you represent the estate. Also include a letter requesting that the check be mailed in the beneficiary’s name. We will then reissue a check.

    Please note that information you submit is treated in accordance with the Privacy Act, which you can view here.

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  15. What is the Privacy Act Statement?

    The information requested is being collected to determine your eligibility for a Civil Penalty Fund or redress payment from the Consumer Financial Protection Bureau (CFPB) to compensate you for harm suffered from a violation of Federal consumer financial law that was the subject of a Bureau enforcement action.

    Identifying information collected may be used by and disclosed to employees, contractors, agents, and others authorized by the CFPB to receive this information to assist in related activities. It may also be disclosed:

    • to a court, magistrate, or administrative tribunal in the course of a proceeding;
    • for enforcement, statutory, and regulatory purposes;
    • to another federal or state agency or regulatory authority;
    • to a member of Congress; to the Department of Justice, a court, an adjudicative body or administrative tribunal, or a party in litigation; and
    • pursuant to the CFPB’s published Privacy Act system of records notice, CFPB.025 – Civil Penalty Fund and Bureau-Administered Redress Program Records.

    The collection of this information is authorized by Pub. L. 111-203, Title X, Sections 1017(d) (Civil Penalty Fund) and/or 1055(a) (Redress), codified at 12 U.S.C. §§ 5497(d), 5565(a).

    You are not required to submit or provide any identifying information; however, not doing so may delay processing or be a basis for rejection of your claim.

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  16. How do I get a refund if I am not on your list of eligible consumers?

    There are no funds available to individuals that were not reported as consumers that were affected by the alleged practices of the defendants. We are sorry; however, no claims are being accepted at this time. We will update this website if anything changes.

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  17. How do I deposit my check that says “for deposit only” if I am unable to do so?

    If you are unable to deposit the check into your bank account, you may request that a replacement check be issued to you without the ‘For deposit only’ restriction.

    To request a replacement check, please return the original check, accompanied by a signed written request asking that a replacement check be issued and mailed to you. Please include an instruction that the replacement check be issued to you without the ‘For deposit only’ restriction. You must submit your request no later than the stale date printed on your check.

    Please note that information you submit is treated in accordance with the Privacy Act, which you can view here.

    Please return the original check to:

    CFPB v. Gordon et al.
    Third-Party Payment Administrator
    PO BOX 5053
    PORTLAND OR 97208-5053

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  18. I didn’t sue anyone. Why are you sending me a check?

    You were sent a check if the defendants' records showed that you were among the consumers affected by this case against Gordon, et al. The Consumer Financial Protection Bureau filed a lawsuit against Chance Gordon, Michael Pessar, and related companies for violating federal law. The companies promised, among other things, to help homeowners lower their mortgage payments, enroll in government mortgage programs, or stop foreclosure—but they did not provide the services they promised. As a result of this federal lawsuit, you are receiving a check that represents the fees you paid in these companies.

    Some additional information about the case can be found in the final court order, available here or http://www.consumerfinance.gov/budget/civil-penalty-fund and click on the link that says, “Gordon, et al.” link at the bottom.

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  19. How was my check amount calculated?

    Your check amount was based on the amount that our records show that you paid to Gordon and/or related companies that were charged to you in violation of federal law during the time period beginning in January 2010 and ending July 2012. Please contact us for details on your individual transactions.

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  20. Will I be able to get more money from this case beyond this check? / Can I dispute my award / What if I have additional transactions I did not get paid for?

    If there are funds remaining after all consumers have had a chance to receive their refund, the Consumer Financial Protection Bureau may be able to send consumers an additional mailing of checks. However at this time, it is not known if there will be enough money to fairly provide second checks to consumers. It is the Consumer Financial Protection Bureau's goal to provide consumers as much compensation as possible. We’re sorry, but no additional payments can be made at this time.

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  21. Will I be able to get more money to cover other personal expenses caused by the defendant, for example, the foreclosure of my home, medical expenses, etc.?

    We are only able to refund consumers for some of the fees paid to the defendants that were charged to the consumers in violation of federal law during the time period beginning in January 2010 and ending July 2012. We are not able to refund consumers for other claims against the defendants. Receiving a refund from the CFPB does not prevent you from pursuing other legal claims, if any, against the defendants. While we cannot give you individual legal advice, you can speak with an attorney who can provide legal advice specific to your situation.

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  22. Do I have to pay income tax on this check? How does this check affect my taxes?

    This check represents a refund of some of the fees paid to the defendants that were charged to you in violation of federal law during the time period beginning in January 2010 and ending July 2012. We do not believe that, under ordinary circumstances, these funds represent “income” to you for tax purposes; however, we cannot provide personalized tax advice. Please consult a tax advisor for any personal tax questions.

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