This Business Is Not BBB Accredited

H&R Financial Services, Inc

H&R Financial Services, Inc

(877) 951-4455

H&R Financial Services, Inc

7 years in business

6565 Americas Parkway NE Ste 200
Albuquerque, NM 87110

BBB File Opened: 6/10/2010
Business Started: 4/29/2009
Business Started Locally: 4/29/2009
Type of Entity
Business Management
  • Mr. William John Heckler, Owner
Contact Information
  • Customer: Mr. William John Heckler, Owner
Business Category
  • Real Estate Loans
Additional Information
  • A new Federal Trade Commission rule bans providers of mortgage foreclosure rescue and loan modification services from collecting fees until homeowners have a written offer from their lender or servicer that they decide is acceptable.

    The Mortgage Assistance Relief Services (MARS) Rule protects distressed homeowners from mortgage relief scams. Bogus operations falsely claim that, for a fee, they will negotiate with the consumer’s mortgage lender or servicer to obtain a loan modification, short sale, or other relief from foreclosure. Many of these operations pretend to be affiliated with the government or housing assistance programs.

    Beginning December 29, 2010, the new disclosure rules require mortgage relief companies to disclose key information to consumers to protect them from being misled and help them make better informed decisions. In addition, the rule bars mortgage relief companies from telling consumers to stop communicating with their lenders or servicers.

    Effective January 31, 2011, the most significant consumer protection under the FTC’s new rule is the advance fee ban. Under this provision, mortgage relief companies may not collect any fees until they have provided consumers with a written offer from their lender or servicer that the consumer decides is acceptable, and a written document from the lender or servicer describing the key changes to the mortgage that would result if the consumer accepts the offer. The companies also must remind consumers of their right to reject the offer without any charge. For more information on the new rule, go to FTC MARS Rule .

  • This company appears to have a virtual office address in Albuquerque, NM. The actual location of the company appears to be in Ontario, California. Click here, H & R Financial Services, to view that report.



This business offers advance fee loan modifications.

Licensing information is provided in the BBB Business Profiles to inform the public about industries that may require professional licensing, bonding, or registration. Better Business Bureau encourages you to check with the appropriate agency to be certain any requirements are currently being met.

BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to substantiate their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

BBB reports on known significant government actions involving the business's marketplace conduct.

BBB reports on a company that is out of business for three years from the date the company closes its doors or ceases to do business.

BBB reports on unauthorized use of the Better Business Bureau's name and/or logo for as long as the business continues to use it in any advertising, or for one year after the business ceases any repeated unauthorized uses.

BBB reports on a business’s bankruptcy as long as the business remains in bankruptcy.

BBB reports when mail sent to the business was returned by the Postal Service.

H&R Financial Services, Inc


H&R Financial Services, Inc