Paid them 4000.00 to do loan modification in march 2009 it now 12/09 and they did not do anything but put us in forclosure after they told us they represented us and not talk to your lender dont make your payments and now all of a sudden they cant do anything ?????????? WHAT A SCAM then i find out it is illegal for them to tell you not to pay ytour mortgage or talk to your lender.