I paid Apply 2 Save took my money in January 2009 and told me they were going to work with my mortgage company and do a mortgage modification. Don't pay your mortgage they said, it will be added on to the back end of the mortgage. Every week they called and stated that they were working on it. It was in "NEGOTIATIONS" they said. Then one week they didn't call. Then a letter came from an attorney. My home was being forclosed on. I called the mortgage company, they said they didn't receive any info from the so called... read full review »