This company contacted me on Feb. 2009 and told me that they had a contract with my lender and that they can get my house payments lowered by working with my lender by doing a loan modification. They collected three checks totaling over $1000.00 from me. However they never sent my Lender the complete loan modification package and my lender sent me a letter. I contacted them after talking to my lender and they told me that my lender was lying and that they just needed updated paycheck stubs and bank statements. I faxed the documents to them and they told me they will call me back in a couple of two days. I haven't heard from them since. Now my house is in jeopary of foreclosure.