I recently fell victim to Charlie Rose at Haffar and Associates. He told me my non owner occupied property qualified for a loan modification. He made claims that the process would not affect my credit, that my payment would go down several hundred dollars, and that it would happen quickly. Then I was assured that the company was in full compliance with california law. He insisted on an up front fee of 3500 before any results were achieved. 6 months down the road I find out from the bank a mod is not possible and now I cannot reach Charlie or... read full review »