I had originally spoken with Kevin Upton, who said that I definately qualify, and he charge is $3000:.00 I asked how long that was good for and he said "until modification is approved" I asked what if it wasn't he said "Thats not an option, we wouldn't take on your case if you didnt qualify" He also told me that they do not always accept the first deal a bank makes, they will send it back to be reworked and told me that they would get a principle reduction and my mortgage should be lowered between 800-1000 month|. I... read full review »