We hired SMHUSA on Jan 5 2009. to help us modify our home, they couldn't get anywhere with my bank, We lost our home on Monday and I have been calling the company for my refund, that they state 100% money back Guarantee if we are unable to give you a successful action plan that improves your current situation or gives you a variable option to stop or avoid forclosure, we will refund you money no questions asked. I can not get anywhere with these people. What a slap in the face, losing my home and 1995.00. I even talked to a rep that... read full review »