Colbi Andry Gets 48 Months, Partner Everett Pope Pleads Guilty in Chicago Loan Modification Fee Scam

Case from 2013–2016 (U.S. Attorney's Office release: Oct. 29, 2013; later developments are from court records and other sources cited below). Published on Scammers.com Oct. 16, 2026; case status is current as of that date.

Colbi Andry and Everett Pope ran a string of loan modification businesses in Chicago, Matteson and Monee. They were charged in October 2013 with collecting upfront fees, usually $2,000 to $3,000, from homeowners for mortgage modifications that were never delivered. The U.S. Attorney's Office for the Northern District of Illinois announced the charges [1].

Outcome: Pope pleaded guilty and testified against Andry. A jury convicted Andry of six counts of wire fraud, and Judge Harry D. Leinenweber sentenced him to 48 months in prison. The Seventh Circuit affirmed on Nov. 23, 2016 [2]. We did not find Pope's sentence terms in public sources.

How the scheme worked

According to the charges [1] and the trial record as described by the Seventh Circuit [2]:

1. EAC Financial: In late 2008 or early 2009, Pope and Andry started EAC Financial, a loan modification company at 9942 S. Western Ave. in Chicago. Andry ran sales and Pope ran loan processing.
2. Stringing homeowners along: Pope testified that homeowners who didn't qualify for real modifications were strung along while paying upfront fees for agreements that would never come. Employees falsely claimed a success rate above 90% and told customers to stop paying their mortgages.
3. A fake attorney: Illinois law bars upfront fees for loan modification services, with an exception for licensed attorneys. So customers were falsely told an attorney was negotiating their modifications. Pope at times posed as "attorney Jonathan Pincuss."
4. New names after enforcement: In January 2011, Pope and Andry agreed to a City of Chicago order barring them from offering modification services in the city and requiring $50,000 in fines and $13,125 in restitution. Instead of complying, they switched to aliases and new business names, including Integrity Mortgage and Insurance, Family First Home Solutions, Certified Forensic Loan Auditors, Dimond Financial and D Financial. The Illinois Attorney General had also sued in 2011.

The district court found total victim losses of $122,000 for the 2008-2013 scheme [2].

The people charged

• Colbi Andry, 38 at charging, Chicago (aliases "Richard Lockwell" and "Rich Ingram") — convicted by a jury on all six wire fraud counts in a superseding indictment. Sentenced to 48 months, below the advisory range of 63 to 78 months. Affirmed Nov. 23, 2016 (No. 16-1113) [2].
• Everett Pope, 38 at charging, Bolingbrook (alias "Jonathan Pincuss") — pleaded guilty and testified at trial [2]. The district court docket shows a sentencing hearing on Feb. 23, 2016 [3]. We did not find the sentence terms.

Red flags

• Any upfront fee for a loan modification. Federal rules generally bar mortgage relief companies from charging before you get a modification you accept.
• Advice to stop paying your mortgage.
• Promised "attorney" involvement you can't verify with the state bar.
• Companies that keep changing names or locations.

What to do

1. Call your servicer directly and get free help from a HUD-approved housing counselor at 800-569-4287 or hud.gov/counseling.
2. Verify any attorney through the Illinois ARDC lawyer search at iardc.org.
3. Report mortgage relief scams to the CFPB at consumerfinance.gov/complaint and the FTC at ReportFraud.ftc.gov.

Case status (as of Oct. 16, 2026)

Defendant	Court	Status as of Oct. 16, 2026	Source
Colbi Andry	N.D. Ill. (Judge Leinenweber), 13 CR 843; 7th Cir. No. 16-1113	Convicted at trial on six counts; sentenced to 48 months; affirmed Nov. 23, 2016	[2]
Everett Pope	N.D. Ill., 13 CR 843	Pleaded guilty and testified at trial; sentencing hearing Feb. 23, 2016; sentence terms not found in public sources as of Oct. 16, 2026	[2], [3]

Sources

1. U.S. Attorney's Office, Northern District of Illinois, "Two Men Charged With Swindling Victims Of Thousands Of Dollars In Advance Fees While Failing To Modify Home Loans," Oct. 29, 2013. https://www.justice.gov/usao-ndil/pr/two-men-charged-swindling-victims-thousands-dollars-advance-fees-while-failing-modify
2. U.S. Court of Appeals for the Seventh Circuit, United States v. Colbi Andry, No. 16-1113, Nov. 23, 2016. https://www.govinfo.gov/content/pkg/USCOURTS-ca7-16-01113/pdf/USCOURTS-ca7-16-01113-0.pdf
3. CourtListener (RECAP), docket for United States v. Pope, No. 1:13-cr-00843 (N.D. Ill.). https://www.courtlistener.com/docket/5609941/united-states-v-pope/

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