I contracted with ULG back in Dec 2008, paid $1500 for a loan modification. It is now Sep 2009 and to date nothing has taken place except for a hearing notice for court from my mortgage company. I followed ULG advise to "not contact the lender", "ignore phone calls' etc. I have done so this far. I continued to get collections notice and phone calls which they said was "illegal" for the bank to do. and that " banks lie and do this type of illegal" stuff all the time. I have spoken to dozens of different people... read full review »