I have paid Prozinski and Associates $3, 500.00 to modify my mortgage loan. When we first started the process they told me to stop paying my mortgage so that the bank would cooperate with them. They also assured me i would get a full refund if they were unable to modify my mortgage loan. it has been almost a year, they have made a bad situation worse. They are not returning my phone calls or responding to my E-Mails. read full review »