I paid $3500 for Ortega Granderson to assist me with a loan modification. I ended up with a 3-month forebearance trial plan. This is not what I had signed up for. I already got the forebearance plan on my own by calling Chase. Granderson did not negotiate anything better for me. They told me to try the trial plan and possibly the bank might offer me a loan modification at the end of the trial plan. And who know what the terms would be. They would not refund me my money. Do NOT use this firm. It is a rip-off. They cannot really help you. Call the banks yourself. It's very time-consuming but may be worth the effort. read full review »