Charged me over $2200.00. Did nothing. I finally had to call my mortgage company myself, who offered me a "forebearance" program, where i pay more than my monthly paymen that i couldn't afford before for three months, and then maybe they will modify my loan. Got ahold of AFS for a refund, and they said that they got me the "forebearance" and that there is nothing they can do. They say they performed, but they did nothing but take my money, at a time when I didn't need to get ripped off, i needed to be helped. I hope... read full review »