In February, 2010 I contacted DR LAW Center after seeing their ad for mortgage reduction services. They said that they could not help me until I submitted a $3, 000 retainer to them. I told them I didn't have the money yet but that I was waiting for my tax refund. They demanded that I pay the money within 2 weeks or I would miss a deadline. I allowed them to take the retainer directly from my checking account. They said they would start proceedings immediately and I could expect to hear something not later than 90 days. They just kept repeatedly asksing for pay, financial, tax documents for the next 6-7 months. Each time I asked for an update they would say that it takes time. In September, 2010 I received a phone call froma man saying he was with my mortgage company asking for the same documents I had already sent to DR LAW Center and he said he would submit my request for reduction directly to the underwriter. I have asked for updates at least three times since Sept. 15, 2010 with no response. When I tried to call them to speak with Ramona Persaud, I found that the lines were not answered and at least one of them had a recording that the line had been disconnected. It is my belief that this company has defrauded me. I approached them because I had recently become unemployed after 16 years with the same company and my mother died on my birthday within 2 months of my layoff. The company that held my 401K had made a mistake regarding tax withholding so I spent a year working with the I.R.S. to get my money back. I am a single 48 year old man who has always strived to be financially independent. This fraudulent behavior by DR LAW Center has placed me in a worse position than before.