I have been "working" with Kramer & Kaslow for over 90 days now at a cost of $4, 000 and neither my first or second mortgagees have ever heard from them regarding negotiating a loan modification on my behalf!! In fact the person working on my mortgage told me she got information from my lender by committing fraud and saying she was ME when contacting the banks!! I'm waiting for a full refund based on their FRAUD and the fact that they have done NOTHING to help me except separate me from my money!!