We hired MDF Financial Services in January 2009 and paid them $3501.00 to work with our lender IndyMac Mortgage Services to get a loan modification on our mortgage. My husband was layed off and had reduced work hours and we could not afford to make the existing loan payment. MDF was not able to secure a loan modification and both attempts were denied by the lender IndyMac Bank. They are now foreclosing on our property and we have to be out by 10/23/09. We have requested a refund from MDF Financial Services per their guaranty that they will secure a loan modification and to date they have not agreed to give us a refund minus the $495 fee that is non-refundable.