These are the same people that defrauded thousands of people all over the nation out of MILLIONS of dollars. Just check the internet for THE LOAN MODIFICATION TEAM. When the jig was up over there and they got an F rating with the BBB it was time to change up. They are also known as THE Modification Dept. DO NOT GIVE THESE THIEVES YOUR MONEY. YOU CAN DO IT YOURSELF!!! There is a wealth of information available for free!!! Please do not be another victim of these thieves and demons. They send out mailers and give calls from a company which provides false telephone numbers. IT IS ILLEGAL TO CHARGE AN UP-FRONT FEE FOR LOAN MODIFICATION PROCESSING. SO WHY ARE THEY DOING IT. I LOST $1900 TO THEWSE THIEVES AND HOPE NOONE ELSE USES THEIR SERVICES FOR IT IS A SCAM!!!