I found the Federal Loan Modification law firm website when I was looking for ways to modify my current home loan before I got into a situation we could not handle. I started the process with them in January 2009. The first person I spoke with said I was the "perfect" candidate and he was sure they could get me into a more comfortable monthly payment with our loan company and into a fixed rate loan. He had me submit all of my paperwork and said the whole process would not take longer than 90 days. After a few months of wondering what was going on and being in contact with different people at the 'company' I was finally notified that we did not qualify for a loan modification from our mortgage company. The lady I spoke to at that time said I would get a full refund within 60 days. Needless to say I am still waiting for my refund and all of the phone numbers I try for the company are no longer in service. I don't know what to do from here!