This company is scanning people who are in deperate need of a Loan Modification. Back in Oct 2008 I paid this company 3 checks. One for $600., $550. and $550. The first check for $600. was cashed by S & M Loan Modification Services Inc. Since then I heard nothing about the status about my modifaction being processed. I wind up putting a stop payment on the last two checks. This company has no use to assisting anyone from losing there home. All they do is take your money hold it for 3 month then run and change there business name over to... read full review »