Janian & Associates / These people will take $3000 and not look back
These people will take $3000 and not look back. You get bounced around to different "case" workers, "which is completely normal", and put off your mortgage to the point of not recovering. They say "I don't want to tell you to not pay your mortgage, BUT the lender won't consider..." this or that until you are behind at least four months. I had to fight and fight and fight for a year-and-a-half with the people do to the paperwork I did all on my own. I finally was told "you'll just have to file chapter 13 bankruptcy now" so-and-so can help you. Oh, heck, no, I don't think so!
I called and asked for Armen (who is never available). I got someone who was "second down" from Armen in the company. I let him have it. They finally got my house off the court file and a loan modification through...and all the while saying, "we've got good news...isn't that wonderful?"
Blah, blah, blah, it was your job to do it right the first time!
Do not pay anything for a loan modification!