We were contacted by Stephen Pugh with Janian & Associates in February 2010 about a loan modification. This sweet talking man won me over. He promised me the world and I bought it. Believe me, I was skeptical at first, but he assured me that they were experts in getting loan modifications for homeowners. Our mortgage is being serviced by Litton Loan Servicing and we were behind two months. I had already made arrangements with Litton to pay those two months back over 12 months. This increased my payments from $1765 to $2059 for 12... read full review »