I hired Rennick, Young, Cohen, and Associates on 7/22/2010 to handle my loan modification. I sent them my payment authorization for $1, 650 to start the loan modification. They sent me back the paperwork for which I had to fill out and get back to them to work on my case. On 7/24/2010, I was contacted by my mortage company and informed that the loan modification I had already started on my own was going through. I immediately notified RYC, through Erica Thomas, that I would no longer be needing RYC's services after all because my loan modification was alreday approved. RYC has a "No Questions Asked" Money Back Guarantee, so I expected they would be sending my refund of the full amount back to me as soon as possible. It is now been a month and I still have not received my refund. I called and left messages for people at RYC all month long and no one returns a call. It is very difficult to reach anyone. The few responses I received by email said I would receive my refund in just days, but those days came and went and still nothing. Based on these dealings with RYC, I am wondering if the company is a scam. I am certainly not pleased with their customer service and no one seems to take my calling and emailing seriously. I would not recommend RYC to anyone and suggest anyone thinking about this company to handle their loan modification to look elsewhere. I never really became a client, but I am very glad now that I never was.