YES WE HAD BEEN SCAMMED BY KIRKLAND YOUNG AND OUR HOUSE WENT INTO FORECLOSURE .SO WE SEEN ADVERTISEMENT FOR 1ST AMERICAN LAW OFFICE ON TV.WE WERE TOLD THEY COULD HELP OF COURSE WE WERE VERY LEARY.SO WE WENT A HEAD AND BORROOWED 4900.00 WE WERE TOLD OUR INTEREST RATE WOULD BE 3.5 % AND PAYMENTS WOULD GO FROM 1195 TO 860 .SO RIGHT AWAY THE SENT US ON TO ANOTHER LAW FIRM EMILIO N FRANSISCO THEY HANDED THEM 1000.00 OF THE MONEY WE HAD GIVEN THEM AND THEY STOPPED THE FORECLOSURE BUT INSTEAD OF LOWERING THE PAYMENTS THEY WENT UP TO 1241.00 WE WERE... read full review »