I entered into a contract with Onpoint Consumer Law Center last June of 2009 for the purposes of assisting me with securing a loan modification on my home. I was told that I had to pay upfront a total of $2995.00 for two mortages. They also informed me of their money back guarantee, that they didn't accept clients that they wouldn't be able to help and that they needed my signed paperwork within 48-hours. They also encouraged me to consolidate my credit cards via debt consolidation. The short story is that they never negotiated a... read full review »