I met with the Atlantic Financial group in the beginning of 09 to possibly get my current mortgage loan modified. The initial cost was $1300 to get the process off the ground with a promise that if for some reason the Loan modification was denied that I would receive $1000 back. Many months did go by and the lawyers did advise me that I should stop paying my mortgage while the process was going through, I did abide by this request. As the time went by I began to receive many calls and past due letters from my bank, I began to get very nervou... read full review »