The Consumer Financial Protection Bureau is investigating this relatively new type of financing of home improvement.
The California State Contractors Licensing Board is so inundated with complaints about work done via this form of financing that they had to create a new department to handle the sheer volume of complaints.
What you need to know about the claims and promises of protection and safety that the HERO PROGRAM and parent company RENOVATE AMERICA make is that all the promises can vanish in an instant. HERO and RENOVATE AMERICA can pull the rug out from under you and revoke your project's financing without warning if you catch one of their contractor's cheating, lying, damaging your property, failing to complete work properly or failing to get the required permits to do work.
HERO and RENOVATE AMERICA will revoke your financing and their contractor's attorney, Mr. George Milionis will tell you and the court that HERO / RENOVATE AMERICA has NOTHING to do with the BREACH OF CONTRACT case they file against you with MECHANICS LIENS to seize and sell your home. Mr. Milionis will do his best to make sure the judge never finds out that there was ever a HERO PROGRAM contract. Mr. Milionis is well aware that customers who need to use HERO PROGRAM financing need to because they don't have good credit and don't have $32,000 cash to pay for a roof and solar package (which Elon Musk sells for $10,000).
HERO and RENOVATE AMERICA will draw you in, tempt you with having air-conditioning for the first time in your life with "affordable solar" but if you find out that it is a tax credit scam, that you will not be able to afford your house payment when the balloon that was supposed to be a discount hits, if you don't sign off to let HERO and RENOVATE AMERICA seize and sell your home, they will vanish, like magic and Mr. George Milionis will terrorize you and your family, demanding $32,000 cash or he will sell your house and make you and your family homeless.
You need to know this. RENOVATE AMERICA and HERO PROGRAM will vanish like ghosts. Mr. George Milionis is proud of his ruthlessness towards homeowners. When you are being coaxed to get home improvements by RENOVATE AMERICA / HERO, they make it seem like you will be safe, protected from crooked contractors. From my personal research, most of their contractors overcharge and many do sloppy work, taking short cuts and skipping getting necessary permits for their financial benefit. If you try to use HERO'S "Senior Protection Program" you will find it is only regular customer service and they will get angry at you, not their contractor. If you seriously expect your contractor to correct problems before you sign off, HERO / RENOVATE AMERICA will revoke financing and Attorney George Milionis will make you fight for your life, your family, your home, and everything you worked so hard for all your life.
Do not believe the RENOVATE AMERICA ads such as the one above. They will protect the contractor and help Attorney George Milionis take away your home. RENOVATE AMERICA / HERO will not protect you. If they cannot seize your house, they will do everything they can to help George Milionis seize your house. They will tell the court that they have nothing to do with your project, that it was always just you and Mr. Milionis.
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