OH MY GOD! Ireally thought I was doing the right thing for my family. This company takes everything from you. They took 299.00 from me. My x-mas money to be exact. I did talk on the phone 3 way with my mortgage co. and mortgageshield, seemed everything was going well. Then on 11-04-08 I called them no answer. I thought it is election day everything and everyone are busy. Then since then I have left 8 messages and called for 4 days straight. Don't do it. I have 4 kids and I hurt them by trusting this company...