This company promised to help my family acheive a loan modification on our first and second mortgage. They charged us $2500, and then strung us along for nine months. Only after contacting the bank directly (and finally getting the right person on the phone) was I able to discover that nothing had been submitted on one of our loans and that the other request had been denied. I was never notified of anything and now they will not provide a refund as promised in our contract. They are preying on people who are already in a bad financial position and taking advantage of them with false promises and providing nothing in return.