AMG charged me over $7000 up fron for modifying 3 loans for me. I had to send my tax information 3 times as they lost it every time. They had 3 different "specialists" on my case. It has been over a year and no results. The attorney and owner, Scott Bertone, 1st said they didn't owe me any money back. And that 'NO" results were guaranteed. After sending him emails from his employees stating that the results were indeed guaranteed and the $$ was to be returned if the modifications did not go through he relented and said "yes" they did owe me a refund, but that he didn't have the money to pay me. He agreed to pay me in three installments beginning after Christmas of 2009. I have yet to receive a single payment or an excuse letting me know why it has not been sent.