I paid NLR $3500 back in December of 2009 to have them negotiate a loan modification on my 1st mortgage (with GMAC). I was really skeptical of their service, but then they offered a Money-Back-Guarantee in writing. To this date (nearly 1 year elapsed), they have failed to obtain a modification of that mortgage. I have insisted that they honor their written Money-back-guarantee, but they have not responded. I have sent them by FAX and email a letter indicating my plans to sue them for the money, but they have ignored that as well.