I recently sighned up to do a modification with these guys. Everything started out well, they told me there was no reason they could see that it would be a problem. The file started to get passed around to different areas. this made me a little nervous therefore I delayed a second payment on my account. Steve Etchinson called to say they only had recieved one payment on my account I told him I would send another payment to get the mod done but when I tried to contact them back Via phone and email I got no response. They told me at the beggining that they would refund my money if they could not make it happen. After three weeks of trying to contact them I assume they are a scam and would highly recommend that everyone stay away from this piece of garbage Steve Etchinson. All he is out to do is take your money don't listen to anything they say.