I went to the Law Offices of Brian J. Colombana/Mortgage Relief Law Center early last year. My experience with them would actually very good. They were a little tough to get ahold of because of how overwhelmed they were, but they did the work and they got my loan modified. The lender dropped my rate to 2%, extended the loan term out to 40 years, and even removed some principal (only a few thousand). It was actually better than what they had expected I would receive. I see there are some complaints against this company and I faced similar issues with the banks telling me they had never heard from them. However, the Law Offices put me on a three way after my bank told me they hadn't heard from them. They called the lender and it was like they talked all the time. The bank was obviously telling me this because they didn't want to deal with them. I'm happy and I'm sure if you all give them a chance, you will be too.