It became illegal for such companies to charge fees up-front for loan modification services as of October 11, 2009. Prior to October 11, 2009, PRO CITY MORTGAGE charged a sum of $3990.00 in advance fees for loan modification services backed up by a heavily-advertised MONEY-BACK guarantee if they failed to deliver a loan modification for their customers. Now that the company has allegedly closed their doors, they refuse to honor their money-back guarantee to all customers -- even those who paid the up-front fees prior to 10/11/2009... read full review »