my wife and went to office on 12 mile rd. on july 24th 2009. Over the period of three months we paid $2, 500 to have our mortages modified. To this date we have not recieved anything explaining why it was not completed. In january we ask for a refund of our monies, i was given papers to file for a return of our money, which we were recieve my the end of Febuary, to this we have recieved nothing. We were also advised in December to not pay the mortages to increase the chances of getting some postive results, non of has happen, causing both my wife and to a negative effect on our credit.