Unsolicited letter and initial phonecalls promising the world to modify existing mortgage. Wanted almost $8, 000.00 up front! I modified the contract to wire $1, 000.00 to their Bank of America account, with a final balance due of $3, 995 if and when my mortgage company accepts the modification and I close. I am out $1, 000.00 as the phone number is now changed to the Bluestone Ameribank Group, and Tommy Modica is unavailable for more than 2 weeks. This "process" started in November, 2008 for me and I have gone nowhere. I called Bank... read full review »