I was in a similar situation in Florida when I found the website... Once I went through the process my package was complete and I didn't pay a penny! I think whoever wrote the original post must not have been paying attention to what the site actually does. FREEHAMPREPORT.com does NOT charge you a single cent to use the software they have. However, it DOES COST MONEY TO MODIFY A LOAN, which is what I paid to the lawyer they hooked me up with.
Honestly, with all the actual cons and rip offs out there, it just makes me mad that someone would cry wolf and bash a website and a mans reputation just because you weren't happy having to actually pay to modify your loan, which the website DID NOT charge you.
The money I spent went to a lawyer who used the package and report built by the website (for free), and with it they negotiated with my bank to get my monthly payment dropped by $655 a month! THANK YOU FREE HAMP REPORT GUYS!