UTAH -- I got a postcard in the mail because foreclosure proceedings had begun on my home. Could no longer afford the payments due to a reduction in income. These folks said that they could lower my monthly payment a couple hundred or more AND stop my foreclosure. What I paid: $3200. What I actually got for my money: After filling out all paperwork myself, and faxing it to them, they told me that the loan reviewer refused to speak to them until a decision had been made.
Loan reviewer contacted me and not them and the end result was a trial agreement in which my payments were only lowered by $42 a month (couldn't even get it up to $50?). And they NEVER EVEN SPOKE WITH MY REVIEWER!!! Not even once. Sigh. It's going to be a really looong time before I see a return on THAT investment!