These people are a complete and utter fraud. They stole almost $2000 from my mom who is widowed and working extremely hard to keep her house. She went to them hoping they could help her with a loan modification to get her mortgage payments reduced each month. She initially put down about $500 and would pay incrementally from that point moving forward. They not only harassed her months regarding the remainder of their fee, but they did absolutely NOTHING to get the loan modified. We have tried to contact them for months regarding the status of the modification and all of their contact numbers have been disconnected. The only time they corresponded with my mother was to cajole and threaten her for the money she owed them. At the end of the day, she paid thousands of dollars for something she could have done herself for FREE through the bank. We ended up working with the bank ourselves due to lack of involvement from Payment Fighters. We hired them to be an advocate for us in order to keep the house from going into foreclosure but all they did was steal, lie and con decent hard working people out of their hard earned earnings. These people need to pay back the money they stole and possible do some time in JAIL for fraud.