Erin Baldwin

Ding Dong, Ding Dong… Bad Biz Finder’s Erin Baldwin Hit By Bucket of Water! The Flying Monkeys Are Free!

By Martin Andelman

Breaking News: In a freak accident earlier this morning, Bad Biz Finder’s Erin Baldwin was doused by a large bucket of water.  A witness reported seeing steam being emitted through her skin, and then she began shrinking in size until there was nothing left but a black cape and pointed hat.

“It was so cool,” reported Dorothy Gale, a young girl that was on the scene when it happened.

Almost immediately, a tribe of flying monkeys was seen leaving the home of Ms. Baldwin.  They tried to fly away, but after a few steps they were transformed back into attorneys carrying briefcases, exactly how they looked when first captured by Ms. Baldwin.

The California State Bar Association had no comment on the melting of Ms. Baldwin, and the American flag in front of Bank of America’s headquarters now flies at half-mast.

For more information click here:

http://badbizfinder.wordpress.com/

Erin Baldwin

From The Land of Fruits and Nuts Arises a Queen

Since starting MFI-Miami last June and MFI-Mod Squad in January 2009, I have seen a lot of messianic types with delusions of grandeur spring up. They claim to be consumer watch dogs or fraud fighters. They usually come and go like minor characters in a daytime soap opera.

These self proclaimed fraud fighters also have narcissistic revenge fantasies. They believe they’re not at fault for losing their homes. They rant on the Internet and are usually gone in a month or two.  I usually ignore these people, but I do respond when someone posts blatant lies about MFI-ModSquad.com and my companies.

Last week, a site called Bad Biz Finder posted a story about MFI-ModSquad and MFI-Miami.  In the story, the allegedly anonymous owner wrote that I told her “decoy” that my friend Pat Pulatie (LoanFraudDetective.com) ran my California operation.

I’ve never had a California operation and never claimed to have one. The owner of Bad Biz Finder also claimed that loan modification companies like CDA Law Center pay me to get my seal of approval. She doesn’t believe that I pay for this site out of my own pocket. To this, I say prove it. If not, then in the immortal words of Eric Cartman of South Park, ‘Shut your pie-hole!’”

Who is the anonymous blogger from Bad Biz Finder who claims she must remain anonymous because she fears incurring bodily harm? Her name is Erin Baldwin.

Who is Erin Baldwin? She own The Baldwin Companies and Baldwin Business Consulting, which operates at 24310 Moulton Parkway, Ste. 536, in Laguana Hills, California.

What does Baldwin Business Consulting do?  According to the press clippings on the site, Erin — the owner — charged her clients $5000 dollars to write a business plan using a template from an office supply store and then introduced her clients to several bankers to get them a business line of credit for $30,000.

All this seems fine.  However, the going rate for writing a business plan is under $500 and, up until last year, banks were giving $30,000 lines of credit to anyone with a pulse and decent P&L statements. The going rate for using a commercial broker, if you needed one, for these lines was $1000.  She only made introductions to the banks to sidestep California regulations, which require commercial brokerage houses to be licensed.

So, how was Erin able to charge three times the going rate? She flirted with potential clients and told people that she attended Merrimack College and Harvard University. I guess those community education classes make nice padding for the resume because the people with whom I spoke have no record of her attending or graduating from either school.

So what qualifies Erin to be a wannabe Power Puff Girl? On Bad Biz Finder, she claims: “We here at Bad Biz Finder are a Consumer Advocate Group that has been around since the 1980s and we stay anonymous because we have been threatened in the past…” This is simply not true.  The state of California has no record of her or any of her companies being a consumer advocacy group. Baldwin Business Consulting has, by Erin’s own admission, only been around since 2003. Besides, threats are part of this business. I get an average of 5-6 of them per week.  Erin tries to remain anonymous because she doesn’t want people to dig into her past and discover that she’s a fraud.    She did exactly what she is accusing modification companies of doing.

So what’s the real story?  When the recession came, Erin’s ability to overcharge her clients disappeared faster than 100% financing with a 600 FICO. The problem was that she bought a seven-figure house in Costa Mesa during the boom and, when the recession hit, she was upside down and couldn’t afford it.

She lost her Barbie Dream House to foreclosure and, due to the fact that she bought her home using stated income, she was rejected for a modification by her lender. Now she uses this as her justification for going on an Aileen Wuornos-style killing spree against the modification industry.

In January, Erin posted a rant accusing Erik Duckworth and Jeff Davi at California DRE of taking bribes and kickbacks from Parsa Law Group. It appears that she didn’t like DRE’s investigation. But, when DRE requested assistance from her, she wrote: “However, the safety of our volunteers, the tactics we have in place and the consumers that are counting on us to place their interest first and foremost would be severely handicapped if we were to simply turn over all our information to the DRE.”

In other words, Erin didn’t have any information and DRE considered her an unreliable source.

Erin, listen to someone who actually knows what he’s doing. Anonymous bloggers have no real credibility. Only gullible consumers believe everything they read on the Internet. When state regulators or law enforcement officials ask for your assistance, give it to them without hesitation. By cooperating with the authorities, you can build credibility and be recognized by the national media as an expert in your field.  Also, shelling out $10 to register a domain name goes a long way toward making you credible.

After Erin posted her rant, Parsa Law Center filed a libel suit against her. Feldman Law Center also filed one against her as well.  She was even warned by Wordpress CEO Toni Schneider to tone down her rhetoric or he would pull the plug on her blog. All that did was infuriate her even more. Here’s her email response:

“Yes we are exposing fraud and thank God we are exposing the fraud. We’ve received thousands of thank you emails because of it. Somebody has to do it and so far no one is stepping up to the plate. Why did you start WordPress anyway? Don’t you believe in free speech? Isn’t it a free service to allow people to express themselves freely?
You cannot be an agent for change BY BEING APPROPRIATE. You’re going to ruffle some feathers along the way. How have you handled controversial blogs in the past? Did you shut them down? Did you censor them? Did you violate their constitutional rights? We’re sincerely interested in knowing the answers to these questions.
THERE ARE NO LEGITIMATE BUSINESSES REVIEWED ON OUR BLOG. If you read our posts you would see that all of our claims are substantiated. Please point out one that isn’t. The people that are flipping out are flipping out because they’ve been caught with their pants down and it’s humiliating and expensive to their scam.
Please email us the sections of your “terms of service” that allow you to censor us and violate our constitutional rights.
The Supreme Court of the United States of America has stated that:
“ABOVE ALL ELSE THE FIRST AMENDMENT MEANS THAT GOVERNMENT HAS NO POWER TO RESTRICT EXPRESSION BECAUSE OF ITS MESSAGE, ITS IDEAS, ITS SUBJECT MATTER, OR ITS CONTENT.” Police Department of Chicago V. Mosley (1972). Government rules by the law, and the law is decided in court, and the court is who must decide any matter pertaining to this subject. Your terms of service have no authority over The Supreme Court and the Constitution of the United States of America.
So stop hassling us.
Bad Biz Finder

This email is interesting because, for all the talk about her rights under free speech, she doesn’t allow opposing views on her blog. I guess she only believes in free speech for herself.

The problem with people like Erin Baldwin is that she believes that because she went through the foreclosure process, she’s an expert in foreclosure rescue or modifications. If you use that logic, you should be able to qualify for the Indy 500 after watching Speed Racer cartoons.

Erin will probably go on some Wagnarian rant on her site about this article but let her.  Her anonymity and fictitious resume have been exposed.

If you think her insane rants about the modification industry make great fiction you should read what she writes about her landlord because they towed her car for illegal parking but that is another story.