NATIONS HOUSING MODIFICATION CENTER sent me a letter informing me that they could negotiate a lower mortgage payment on my behalf. After filling out enrollment package I was never called back and my phone calls to them were left unreturned. Although no money exchanged hands RAY CORDONE did worse. He and the company he works for gave my family hope in a situation that seemed hopeless and kept stringing us along for two months without the decency to even return a simple phone call. It baffles me how people could be so heartless. read full review »