First Universal contacted us to help us with our home loan and sounded really convincing and told us that with in 6 months they could get our mortgage payment down from 1440.75 a month to 800.00 to 900.00 dollars a month. We were at that time struggling to make payment and our home was in trouble of foreclosure. We went with it. We payed them 500.00 through our bank under direct withdrawal for 8 months costing us 4000.00 dollars. Every time we called they gave us nothing. No paper trail, no progress, nothing. The only thing they gave us was a... read full review »