My husband and I thought a professional could negotiate better with our mortgage company to reduce our interest rate and extend the mortgage time - in order to lower our payments. After charging us $199, I have had nothing but emails from these folks - usually a different person each time. The same email over and over. They want pay stubs - we live on social security. They want a letter telling them how destitute we are - I can't write such a letter because we are not destitute - just smart enough to take advantage of lower... read full review »