Step by Step Guide to Get Your Money-Back

SCAM: "a dishonest way to make money by deceiving people"

WARNING! Owner of "Colleagues in Law" Devin Benter is still operating under a new assumed name "CORE Advisory Group Svcs, LLC" Report this to the Authorities, do this before he change company names again and SCAM other people!

If you feel you have been a victim of a loan modification scam, please follow these steps in order to get your money-back. Unfortunately this process will require your undivided attention and dedication in order to complete these steps, which can take up more than an hour of your time, but lets be honest here, is spending a few hours to get back thousands of dollars of your hard earned money not worth your commitment? Of course it is.

Although this method isn't 100% guaranteed that you will get your money-back. There will be uncontrollable events, such as the company you are trying to get your money-back has either, shutdown, disappeared, changed their company name and location which will make it more difficult for you to file your complaints against, or the company just don't have the funds to pay you back. But what I can tell you is that it will definitely draw RED FLAGS to the authorities and alert them about any unethical activities going on and allow them to see who is taking advantage of people by taking their money without providing the services/product as promised, which can also trigger an internal investigation to go after the company or individual(s) that committed the scam and recover the damages caused to you and your family. So don't give up or get discourage and fight for what is rightfully yours.

Before you begin drafting your complaints against a company or an individual(s), keep in mind that some of these regulatory agencies only allow up to 2000 - 4000 words, so you want to minimize the unnecessary rant about how bad you hate them or information that isn't relevant to what you are seeking and you want to just bullet point the important parts and the reason why you are complaining and the goals you want them to achieve for you, like refund your money.

Now let's start with Step One: "Key Information About the Company"
Provide the Full Name of the Company/Corporation (LLC, S-Corp etc...) in this example let's say you are filing a complaint against an existing company and its' owners. Be sure you are listing all entities involved.

Note: If you are a former "Colleagues In Law" customer, be sure to include "CORE Advisory Group Svcs, LLC", and "Devin Benter" as the same owner for both entities and state in your complaint that it's the same operation just a different name.

If you signed up for services with CORE Advisory Group prior to March 31st, 2016 then most likely you're contracted with  "CORE Advisory Group, LLC" however, if the services you have paid for exceeded beyond March 31st, 2016, your complaint should address both entities involved which is CORE Advisory Group Svcs, LLC & CORE Advisory Group, LLC (only difference is new LLC ownership but same people behind it.)

Devin Benter thought he could avoid any responsibilities with the original CORE Advisory Group, LLC by just switching to another LLC by adding "SVCS" at the end and if anything happens, like complaints, lawsuits, client files being denied for a loan modification or even worst case, clients ended up losing their home, he would be excluded from the responsibilities post March 31st, 2016 which is after my separation with the company. So by him assuming that, he would divert any fault/wrongdoings and have it directed towards me Mike Luong for CORE Advisory Group, LLC. 

Unfortunately for him, it doesn't work that way. You can't expect just by changing, officers, members or even LLCs names would eliminate you from any prior obligations and responsibilities. As a business owner it is your fiduciary duty to inform all clients of any changes to the LLC and if you decide to continue working on prior cases post the LLC changes, and still continue collecting and receiving their monies than yes you are fully responsible for any ramification that occurs thereafter. Nice try.

So remember to list all parties/entities involved, including current physical address which in this case, CORE Advisory Group Svcs, LLC, is located at 2125 E. Katella Ave. Suite 330, Anaheim, CA. 92806. (By the way, Devin continues to fail by not updating his existing clients of the new change of address location.).

As a reminder, both addresses on their website www.coreadvisorysvcs.org 519 S. Orem, Orem, UT. 84058 and 4590 MacArthur Blvd, #500-26, Newport Beach, CA. 92660 are just mail drops (virtual mailboxes) and not an actual physical office location.

Step Two: "What to Include in the Complaints"
Any supporting documents if you still have it, such as "Mail Advertisement", "Service Agreement" etc... Also some Key points you want to address are as follows;

• The date you made initial contact with this company? 
• How did you hear about them? (Mail, Radio, TV etc...), 
• What did the advertisement say that enticed you to contact them? (ex: low interest rate, principle reduction, free car, etc...),
• What did the company promised you they can do and would do for you?
• How much was the total cost for their product/service?
• When did you pay for the product/service and how much total upfront?
• Explain why you are dissatisfied with the company/product/service.
• When did you start suspecting that there will be an issue?
• Did you contact the company first and try to resolve the issue on your own? (if you suspect that they are operating illegally, skip this one.)
• What kind of outcome do you want to see happening?

Step Three: "Submitting the Complaints to every Regulatory Agencies"

• Consumer Financial Protection Bureau
• Federal Trade Commission
• Attorney General's Office (File with your state) 
• Department of Consumer Affairs CalBRE (to report licensed/non-licensed real estate agents)

Final Step: "Write Negative Reviews Online"  

• Better Business Bureau 
• Business Consumer Alliance 
• Rip Off Report 
• GetOutofDebt.org
• Devin's Lavish Wedding

NEED HELP?

If you are a victim of this loan modification scheme and need help preventing from a foreclosure, contact HUD.gov immediately or visit http://hud.gov/offices/hsg/sfh/hcc/hcs.cfm

You Have Alternatives

You can contact your lender directly, contact an attorney in your jurisdiction with expertise in mortgage matters, or contact a government-sponsored loan modification provider such as www.hopenow.com or others that are identified on the website of the U.S. Department of Housing and Urban Development, www.hud.gov.  

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How CORE Tricks Its' Customers Into Thinking They Would Get A Full Refund

What prompted me to write this article tonight about CORE Advisory Group's refund process is from an email I received earlier this evening from one of CORE's client, expressing her worries that she will never see a dime again, and she feels they are really out to scam her. What bothers me is the fact that she even agreed to their ridiculous refund amount of a mere $450 out of the $2115 that she had already paid them. If she signs a release of liability form, which she did on 09/19/2016 and had it emailed back the same day to CORE Advisory Group, would refund her back $450. 45 days later, where is her refund?

I've warned some of the client's that I've spoken to in the past, to not even bother contacting CORE and make demands for a refund or even ask for one, and I've even shared an example of a client that signed up with CORE within less than two weeks & had already paid $4000 upfront but later, decided to go another route so she called to cancel with CORE.

Now you would think, if you had barely paid someone and no work had commence, then a full refund shouldn't be out of the question right? And a check should be in the mailbox awaiting to be shipped out the very next day? Wrong, according to this client, the conversation with the owner Devin Benter turned into a debacle and CORE insisted that this client, although only less than two weeks old as a newly enrolled client would be required to go through their "Reconciliation Process" which is stated in section 9 of CORE's service agreement. I'm going to circle back to this in a bit and later I'll explain how the reconciliation process works.

But first, meet [redacted], she signed up with CORE back on April 15th, 2016 and paid CORE a total of $2115 and later decided she wasn't satisfied or impressed with the work that CORE has provided to her so far. So on April 28th, 2016 she attempted to back out however, CORE convinced her that everything is going just as planned and all the complaints has been drafted and sent to her for her to sign and mail off. At this point her fear is that her auction/sale date was nearing and set for May 24th, 2016 but yet she still haven't received any complaint drafts from CORE not until later on May 5th, 2016. To fast forward with this story, the complaints were mailed off and on May 9th, 2016 CORE presented her with an unsettling news that new FHA guideline had changed and went into effect May 6th, 2016 that would disqualified her loan for any type of loan modification due to the severity of her default. At this point, her options are slim and her auction/sale date continues to creep closer and closer.

As a last ditch attempt, CORE referred her over to Martha to have her bankruptcy petition prepare in order to file for a bankruptcy chapter 13. This client refused to go that route and felt that she was mislead from the very beginning and it was CORE's responsibilities to be kept up to date with all new changes with guidelines however, that is not the case and unfortunately and sad to say, she ended up losing her house on May 28th, 2016. What is hard to gag is the fact that CORE still with no remorse or sympathy, went ahead and deposited her check of $740 on June 1st, 2016. On July 28th, 2016 [redacted] demanded her money be paid back, since CORE did not provide the services as promised and she still ended up losing her house anyways. That same day, CORE sent her a "Reconciliation Package" (RECON Pk) which is similar to a grievance form explaining to the company why she deserves her money back type of package. She filled out the RECON Pk and awaited for a refund offer by CORE which later came back to be $450. She grew weary with CORE and decided against her own consciousness but still went ahead and signed the release of liability form in exchange for her measly $450 refund which was sent back on September 19th, 2016. Today is October 26th, 2016 and she has yet received the refund that CORE had promised her after she had signed what they wanted her to sign, which is pretty much a hush hush paperwork just keep her from saying a word to anyone publicly.

CORE Advisory Group Service Agreement (Section 9) Dispute Resolution by Binding Arbitration

This is a perfect example of how heartless this SOB of a person Devin Benter is. He allowed his staff to not only take on a case that clearly didn't qualify for any loan modification due to the severity of the default, and wounded up losing her home and still play the delay game and refuse to give her the $450 check which had been offered and she accepted in exchange she won't sue CORE, post negative reviews about CORE etc... Well to all the viewers out there, after reading this and it still doesn't convince you what a slime ball this company and its' owner is, than you definitely deserve to be scammed. 

So once again, as a warning, do not entertain this route and go through their ridiculous "Reconciliation Process", just know that, they have already broken the LAW by collecting your fees upfront. Before you sign up with any company, be familiarize with the Federal Trade Commission MARS Rule, which prohibits any company from receiving any fees in advance until a written offer from the lender has been received and accepted by the client. It is ILLEGAL to charge any one upfront period.

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How does the Lender Dispute Resolution (LDR) program violates the Federal Trade Commissions M.A.R.S Rule?

Let's take a look and review how CORE Advisory Group, LLC now CORE Advisory Group Svcs, LLC complies with the Federal Trade Commission's Mortgage Assistance Relief Services (MARS)

Rule.

Before you read this, ask yourself what is the purpose of hiring CORE Advisory Group? Just to complain to regulators about your lender? Or is it in hopes your lender will work with you to either get your home loan re-instated or modified? Well the answer is obvious and that's to cure your default with either a reinstatement or new modified loan terms so if that is the case, FTC (MARS) Rule applies and that makes it ILLEGAL to collect any fees UPFRONT. 

CORE Advisory Group (CORE), presents itself as a nationwide advocacy firm. The program offered is it's Lender Dispute Resolution program or (LDR) in which this program is broken down into two phases.

Phase One of CORE's services is filing complaints against the homeowner's lender or loan servicer with Federal or State regulatory agencies. The agencies may include filing an online complaint on behalf of the clients with the Consumer Financial Protection Bureau (CFPB) as well as filing complaints with an elected government official such as a State Senator or the Governor's office. 

The purpose of getting these complaints filed is to leverage the involvements of these regulatory agencies or government officials in order to get the clients cases heard by the banks high ranking officials at the executive level of the bank. Although this concept does have its' purposes and that's to go around the protocols of the "Loss Mitigation Department" and go straight to the top level of the banks hierarchy charts. Now the question is, how is this method going to achieve a consumer's goal, when they are trying to save their home? So let's recap this, the LDR program is designed for getting complaints open, get regulatory agencies & government officials involved. What happens after that? So no matter how clever the LDR program is designed, the fact of the matter is, the end result is still tied with some form of MORTGAGE ASSISTANCE RELIEF SERVICE. 

FTC MARS Rule Excerpt

The Rule defines "mortgage assistance relief service" as a service, plan, or program that is represented, expressly or by implication, to help homeowners prevent or postpone foreclosure or help them get other kinds of relief, like loan modifications, forbearance agreements, short sales, deeds-in-lieu of foreclosure, or extensions of time to cure defaults or reinstate loans. The Rule applies whether you work directly with consumers' lenders or servicers to get mortgage relief or you offer services to help consumers do it on their own (for example, by conducting a "forensic audit" or other review of consumers' loan documents).

Now let's take a look at Phase Two, after the completion of Phase One, the complaint campaign is successful and a point of contact from someone at the executive level of the bank is now forced to be involved. What happens at this point? Well depending on the lender in question, most will require a financial package (similar to the traditional application process for a loan modification) to be reviewed. For the most part, this is where the negotiation and waiting game begins. The result? It's either a Denial or an Approval for some form of mortgage relief. 

So as you can see, you can dress a duck however you find fitting, but at the end, it still quacks the same so it's still a duck. Same rules apply when you are assisting someone to save their home. 

NO UPFRONT FEE BAN makes it illegal to charge upfront fees until you deliver and the customer agrees to a written offer of mortgage relief from the customer's lender or servicer. That's the bottom line. 

Read About Latest Ohio Lawsuit

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A Closer Look Inside CORE Advisory Group

Please be advised that Core Advisory Group and its owner are still soliciting Mortgage Relief Services to Distressed Homeowners nationwide, under FTC MARS Rule it's ILLEGAL to charge upfront fees.  You can't collect money from any customer unless you deliver - and the customer agrees to - a written offer of mortgage relief from the customer's lender or servicer.

The owner of the company is Devin Benter (aka David Clarke). Devin Benter has owned multiple companies "Mod Shops" that target distressed Homeowners and opens and closes companies to avoid the authorities. Prior company name "Colleagues in Law" for more info click here

View both companies profile | View Latest RipOff Report

FOR ANY CORE VICTIMS
You Have Alternatives

You can contact your lender directly, contact an attorney in your jurisdiction with expertise in mortgage matters, or contact a government-sponsored loan modification provider such as www.hopenow.com or others that are identified on the website of the U.S. Department of Housing and Urban Development, www.hud.gov.  

Devin Benter's prior company is "Colleagues in Law LLC", a Nevada Corporation. A simple internet search will reveal multiple complaints on this company. 

UPDATE: I just got off the phone today with Washington State Department of Financial Institutions in the Division of Consumer Services Enforcement. I was updated with a public record information that Devin Benter and Colleagues in Law enter into a settlement agreement to pay restitution to pay 12 victims of Washington State that were preyed in this loan modification scheme. The restitution amount totaled $45,000 is to be paid back to the 12 victims involved. This information will be available online in next few days. here 

Now, Let's take a look deeper into the evolution of CORE Advisory Group. 

Current owner Devin Benter aka David Clarke and his company CORE Advisory Group, LLC & CORE Advisory Group Svcs, LLC. Please note that this owner also owned "Colleagues in Law" which was forced to shutdown due to FTC investigation that linked to Denny Lake's case and up until today has continued to provide the exact same product/services under a new assumed company name of "CORE Advisory Group Svcs, LLC" which is a UTAH Limited Liability Company in the State of Utah but physical office is located at 2125 E. Katella Ave. Suite 330, Anaheim, CA. 92806. Prior to the formation of "CORE Advisory Group Svcs, LLC" Devin Benter was operating in disguise under an entity name "CORE Advisory Group, LLC" which this legal entity sole owner was "Mike" Trung Luong and Devin Benter through mutual agreement with Mr. Luong would allow Mr. Benter to run and operate this company as their President and co-owner off record, and thereafter Mr. Benter went on record and formed a separate LLC under "CORE Advisory Group Svcs, LLC" a Utah Limited Liability Company in the State of Utah on April 1st, 2016, in order to exclude Mr. Luong from any ownership rights. Mr. Benter had continued on with a separate LLC without notifying any client's of "CORE Advisory Group, LLC" that there has been a transfer of ownership or made aware of the new LLC change. I suspect he will deny any responsibilities or hold himself accountable to "CORE Advisory Group, LLC" and his narrative will be that he was just a consultant for "Mike" Trung Luong, but past email communications by Mr. Benter will prove otherwise that indeed Mr. Benter through his email communications to the entire CORE staff members will explain that he has always owned and funded CORE Advisory Group, which you can read here.

Due to an FTC Indictment to Mr. Benter's processing partner/vendor, Denny Lake (JD United) he abruptly moved locations, closed the company and began operating  under "Core Advisory Group, LLC". You can view the details of the Denny Lake case: here

Not wanting anything tied to his name, Devin convinced Trung "Mike" Luong to open Core Advisory Group, LLC (a Utah Corporation) in his name. The agreement was that Devin would unofficially own the company and be 100% in charge and in exchange Mike would receive a portion of the revenue each month. 

In April 2015, Mike Luong created "CORE Advisory Group" dba registered solely under Mike's name only with the Orange County Clerk-Recorder. "Search CORE Advisory Group" here  

In May 2015, Mike Luong of CORE Advisory Group and Devin Benter of Colleagues in Law agreed to combine both entities into one under CORE Advisory Group. 

On May 5th, 2015, CORE Advisory Group formed an LLC in the state of UTAH. here

On March 24th, 2016, Mike Luong and Devin Benter had a fallout and the partnership severed.

In April 2016, Denny Lake's case ended, therefore, Devin no longer had any need for Mike and decided to end the relationship and Devin created "Core Advisory Group Svcs, LLC". 

On 3/30/2016 Devin Benter created the Fictitious Business Name of Core Advisory Group Svcs with the Orange County Clerk-Recorder. You can confirm this information here

On 03/31/2016 Mike Luong sent out an email to every Core members to go home, and that operations will need to be suspended to only be blockade by Brian Boozer a sales closer for CORE Advisory Group, LLC.  You can confirm this information here

On 03/31/2016 An hour after Mike's email to every Core members, Devin Benter aka David Clarke sends a mass email to inform everyone to continue doing business as usual, he owns the branding and have been doing it for 4 years. You can confirm this information here

On 4/1/2016 Devin Benter registered the new company, Core Advisory Group Svcs LLC, as a Utah LLC with himself as the sole member. You can confirm this information here

Core Advisory Group and Core Advisory Group Svcs are both organized in the Utah, but have no physical presence in Utah. here

The Utah address of 519 Orem Boulevard, Orem UT. 84058 will forward any correspondence to the California address: 4590 MacArthur Blvd, STE 125. Newport Beach CA 92660. However, most mails are dropped at another mail box and this one happens to be in the same building on the 5th floor at 4590 MacArthur Blvd, STE 500-26.

Please note that the company has moved to a new location in Anaheim, California at 2125 E. Katella Ave. Suite 330, Anaheim, CA. 92806

It appears, Devin Benter has already made plans to dump the CORE branding and change name ONCE AGAIN! "Consumer Dispute Group" www.consumerdisputegroup.org 

Google search you will find same PR press releases like CORE, with linkedin, facebook page already made in advance. This guy was planning to DUMP everyone, take everyone's money and start FRESH with a new company name. 

Devin Benter's Company name change HISTORY: "Colleagues in Law, CORE Advisory Group, CORE Advisory Group Svcs & soon to Consumer Dispute Group" which of course operate and offer the exact same product & services but just a different name, a much cleaner name. It's like driving a stolen car and changing out the license plate, in the end it's still same car and same piece of shit behind the wheel.

CORE ADVISORY GROUP’S WORKFLOW

Devin Benter also owns the Company "Deevo LLC" which is the company organized as a marketing company that he processes all of his advertising through. 

All of the mailers he sends to distressed Homeowners do not have any company name or address on them, and quote rate, payment and terms that will entice distressed Homeowners to call an 800#. 

When a Homeowner calls, they are greeted by an "opener" who is responsible for taking information so that the caller can be "evaluated" and determined if they are "eligible" for assistance. If the caller agrees, they are scheduled an evaluation call with a "Sr. Case Analyst" who is responsible for "closing" them on services to avoid foreclosure range between $3000 - $5000.

The sales agents (case managers) are trained not to share the company name on the first call and explain how their "2 phases" of work are not loan modification  services.  

Phase 1 is the opening "federal complaints" against a Lender. 

Phase 2, is when a Third Party Authorization all financial information is collected from the Homeowner. An application for a loan modification is prepared on behalf of the Homeowner, and loan modification application is submitted on behalf of the homeowner. 

If there is a foreclosure sale scheduled, then the company advises that the Homeowner needs to file bankruptcy and the Company will facilitate and coordinate a person to call them who will draft all of the court documents and coach them on how to file on their own bankruptcy. 

The purpose of the bankruptcy recommendation is so the Homeowner can stop the foreclosure so that they may engage work with the Company. It is recommended that they do not go through with the bankruptcy and allow it to be dismissed and closed.

KEY PLAYERS

Devin Benter (aka David Clarke)
Business Address: 2125 E. Katella Ave. Suite 330, Anaheim, CA. 92806

Mobile: 949-922-8865
email: dclarke@coreadvisorygroup.org, dbenter@colleaguesinlaw.com, dbenter@coreadvisorygroup.org , devin@deevollc.com

https://www.facebook.com/dbenter?fref=ts

Note: Just got married this year July 3^rd, 2016.

Owner of Colleagues in Law, LLC (Nevada Corp) https://goo.gl/sN4J8F
Deevo LLC (Nevada Corporation) http://deevollc.com/
Core Advisory Group LLC (Utah Corp) https://goo.gl/c1dsy9
Core Advisory Group Svcs LLC (Utah Corp) https://goo.gl/c1dsy9 
Core Advisory Group Svcs (Orange County Fictitious Name)

Dean Miller
Lead Management / Processing Manager / Customer Service
Mobile: 949-678-8702
email: dean@coactioninsight.com / Leadsupport@coreadvisorygroup.org           

Dean manages and supervises all leads and also manages the processing department. 
Also he is just as GUILTY assisting this crook Devin Benter by covering up for him.  

Brian James Boozer
Sales Closer
email: bboozer@coreadvisorygroup.org 
https://www.facebook.com/brian.boozer 
After initial calls with a case manager, Brian Boozer is the main sales closer but recent news of CORE Advisory Group Svcs lack of management only 6 sales agents are left.

VENDORS

All of the information in this email can be validated through the following vendors. 

Leadtrac – CRM System by National Data Systems | http://www.ndssite.com/ | CRM Login Page - https://secure.leadtrac.net

Note: All leads, notes and contracts are input into this CRM system. Dean Miller (Processing Manager & Lead Support) is a close friend of the owner of this company. Therefore, if you contact this company, its likely that they will inform Dean.

Fonality – Phone System | http://fonality.com | ServerID# 27936

Note: The system records every call incoming and outgoing and holds all recordings for a year. The only calls that are not recorded are Devin’s.

Email 
Note: Email service is provided by GoDaddy.

The Notary Pool | http://thenotarypool.com
Note: When a Homeowner wants to hire company, the Closer will schedule a notary to meet with the Homeowner to complete the signing and collect the funds. Every appointment, for every State, is scheduled through this company. (No longer active)

US Signings | http://www.ussignings.com/ | Business Search

Note: Same instrument used as “The Notary Pool” except now, Devin Benter owns this notary services and adds an additional junk fees $160 to gain more profits off consumers. Copycat version of The Notary Pool. 

Kall8 | http://kall8.com
Note: Each advertisement campaign that is mailed will have a unique 800# associated with the mailer. This service provides unique 800#’s that are then forwarded to the primary sales line.

ScheduleOnce | http://scheduleonce.com
Note: When an opener schedules a “closing” call, they use this system to schedule the appointment for the Closer.

The Corporate Place, Inc | http://www.corporateplace.com/
601 E Charleston Blvd, STE 100
Las Vegas, NV 89401
Phone: 877-786-8500

Note: This is the company that provides the registered agent service for Nevada and Utah. The Utah address for the Company is this company’s office Utah office address.

Martha Petterson, Bankruptcy Preparer.

Phone: 949-683-7030
Martha@legaldocprep.co

Note: This is the paralegal that all Bankruptcy files and Eviction Defense cases are sent to. She charges $250 per file and then credits the CORE advisory $100 for each referral.

Wells Fargo

CORE Advisory Group Svcs

Routing #:  122000247

Account #:  8789939504

This is the primary banking account that is used for Customers to deposit funds into.

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Devin's attorney sends me a "Cease & Desist" order to hush hush

Today, two interesting things happened, one a featured story published on GetOutofDebt.org written by a well known journalist Mr. Steve Rhode about CORE Advisory Group. You can read it here

Second interesting thing is, I received an email today from Devin Benter's attorney attached is a letter, Cease & Desist order for me to halt what I am doing and that they are preparing to file a lawsuit against me. In my opinion, instead of Devin Benter wasting more money on attorney fees to come after me, he should be returning the money to the poor folks who LOST their home and some are left stranded out on the street. Instead of acknowledging & taking responsibility for his actions, he continues to operate illegally by charging consumers LARGE upfront fees for mortgage relief related services, which by the way is a violation to the Federal Trade Commission's M.A.R.S rules here.

Doing good things is littered with many challenges. Standing up for people can expose you to legal action. Laws are in place to keep society together and functioning. Laws strive to maintain peace and safety among people and provide ways to resolve issues that do arise among individuals. Laws exist to protect people from each other and from themselves as well as to protect the government from harm, to promote certain values and to provide goods and services.

So when someone is trying to point out a person/business that is breaking the law, don't expect the law to stop that person from presenting FACTs when fact of the matter is laws has been broken. It's like a drug dealer, calling the police to complain, his neighbor is interrupting his drug deal, not going to happen.

In an article written by Mr. Steve Rhode's from "GetOutofDebt.org" that came out today about CORE Advisory Group, made mentioning he had made multiple attempts to reach the owner of CORE Advisory Group to get some clarity before publication but fell short in getting any responses back. Once again, in my opinion, if you have nothing to hide than why not respond back to present your side of the story. I am not hiding.

View both companies profile | View Latest RipOff Report

Now let's go ahead and review this "Cease & Desist" letter and let's see what grounds they have against me.

The first thing that caught my eyes was under "My Clients" listed only Devin Benter & DEEVO LLC, why isn't CORE Advisory Group or CORE Advisory Group Svcs, LLC nor David Clarke (Is Devin's attorney denying knowledge that David Clarke is also Devin Benter?), not listed or named on this Cease & Desist letter? I have the answer to that as well. (Screenshot of David Clarke acknowledging he is Devin here )

Below is an email dated back December 16th, 2015 from Devin Benter aka David Clarke to his attorney Tim O'reilly discussing the Texas Complaints prior to receiving the "Cease & Desist Order" by the State of Texas here .

Tim O'reilly provided help for both us in order to answer & respond to the Texas complaint. You can read the email below.

According to "Rule 3-310 Avoiding the Representation of Adverse Interests" here

(1) The member has a legal, business, financial, professional, or personal relationship with a party or witness in the same matter; or
(2) The member knows or reasonably should know that:
(a) the member previously had a legal, business, financial, professional, or personal relationship with a party or witness in the same matter; and
(b) the previous relationship would substantially affect the member's representation; or
(3) The member has or had a legal, business, financial, professional, or personal relationship with another person or entity the member knows or reasonably should know would be affected substantially by resolution of the matter; or
(4) The member has or had a legal, business, financial, or professional interest in the subject matter of the representation.
So based on this ruling and facts shown clearly that Devin's attorney Tim O'reilly clearly had knowledge & had business dealings with CORE Advisory Group so by him not including CORE Advisory Group or David Clarke, is an indication in my opinion is a way to dodge "CONFLICT OF INTEREST" correct me if I am wrong Mr. O'reilly.
Second part of the "Cease & Desist" order "Unlawful Access to Computer and Phone Systems" Prior to my partnership with Devin Benter, I already created CORE Advisory Group brand and Devin was under Colleagues in Law. After the merger to become under one company "CORE Advisory Group" the phone system from Fonality server id 27936 was purchased and contracted "SOLELY" by me. See contract here
On March 31st, 2016, I sent out a mass email to all CORE Advisory Group staff/employees to suspend operations. Devin Benter aka David Clarke counters the email to everyone within the hour to disregard. Note: Devin Benter aka David Clarke's name is not listed as an Officer or Member of CORE Advisory Group, LLC a UTAH Limited Liability Company. Instead of honoring my request and sitting down with me, to dissolve the LLC and through proper channels, discuss dissolution and transfer of ownership he decided to form another LLC in UTAH under the name CORE Advisory Group Svcs, LLC. view UTAH business search here. He also threatens me to not come into the office as CORE Advisory Group is not welcomed and he has contacted the police department to give them a heads up if I ended up trespassing onto the property which at the time the office space is leased under "Colleagues in Law". I respected that request and stayed away even though my property "Phone Systems" was still on the premise and I could have easily fought for the properties back but did not want to disrupt any activities when there are customers already has business dealings with CORE Advisory Group, LLC. Now how was he able to gain access to the Fonality phone system if I am the sole owner that is on contract and he is not? Who authorized the transfer of ownership? No one did, however based on what Fonality Billing Department had informed me that Devin Benter, had changed access and billing information to his DEEVO, LLC debit card, oops did I just mentioned DEEVO, LLC? So Fonality stated, they are more concerned about the person making the payment? Really? So what I am hearing is that if a monthly bill which at the time costed $2100+ per month weren't paid and over 40+ phones weren't shipped back to Fonality after termination, who is the responsible party that they will go after? The business card on file? What happens if the business card on file disappears and there is no way to collect? Bottom line is that my name is is under contract with Fonality & till this day Fonality has no clue that Devin did not have the authority to change my access and the only reason I did not make it an issue is because I have chosen to seek other legal remedies towards this. 
3rd Item "Public Disclosure of Private Information" If the private information the complaint is referring to of Facebook images, that is public resource posted online. So will need more clarity in order to address this.
4th Item "Annoying and Harassing Communications", I would get annoyed too if someone is calling me out about my illegal activities. 
5th Item "Slander of Business Name and Reputation" If the complaint is referring to DEEVO LLC please direct me on this blog as to how DEEVO LLC is being slandered?
6th Item "Misappropration of Trade Secrets/Documents/Customer Lists" Exposing how a crime or illegal activities is being committed is called Morality & Ethics. All evidence has been presented to the authorities.

Email From Devin to Me About TX by Stephanie Sanders on Scribd

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Cease and Desist Mike Luong by Stephanie Sanders on Scribd

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