Mr. Brennan presents himself as a Mortgage Modification specialist. He was refered by a co-worker and sold my husband and I on the idea he could modify our loan, have all late payments removed and reduce our principal to market value. He stated that he was having a hard time receiving payment and requested half the fee upfront. We wrote him a check for $3500. He cashed it the next day. This process started on December 10, 2008. I delivered all required paperwork to Mr. Brennan on Dec 11 and he said he was starting to work with our bank... read full review »