I have applyied for a loan modification with GUARDIAN SERVICES GROUP since Januray of 2008. They took a long time get my modification case started, in fact, I've found on my own by calling my bank (wachovia) in October, that they still have not submitted anything and that they've only received a Borrowers Authorization form in January so they can negotiate on my behalf but that was it!! No paperwork has been submitted after all! Eventhough my counselor was very helpful and answered my calls, their customer services reps, manager ANNA... read full review »