I'd paid this company 1, 950.00 dollars, for them to help me modify my mortgage. I been waiting since April. They didt even send an e-mail to me i was always calling or sending them an e-mail for updates on my loan. On 8/7/2009 they send me a e-mail stating that i did't qualify for the program with no explanation what so ever. I e-mail them i needed my money back they replied that the money was not refundable. Now i'm going to be 1 month behind because i had to paid them that amount. Looking through my paper work i found the letter that states the money is 100% refundable !!! At this time i'm seeking for an Attorney !!!