DO NOT FALL FOR THIS COMPANY'S SCAM!!! THEY WILL NOT HELP YOU!!! This company has two ways of stealing your money! They will either claim that they are putting you in a debt settlement program that will reduce your debt or try to get you to do a loan modification through them! The loan modification is the biggest scam! $1495.00 minimum! They do not even have licenses! Trust me! I KNOW FROM EXPERIENCE!!! I know that you may really be in need but all they will do is make things worse! Believe me or learn the hrard way! Stay away from CNR Loan Modification and First choice Debt resoloution group!