In March of 2009 I heard of a company on Good Morning America which stated that they would help negotiate a better rate with your current lender to make your mortgage payments more affordable. They promised that if your lender did not agree you would get your fee back for their service of $995.00. Also any payments that you were behind in would supposedly be tacked on to the mortgage and you would start fresh with the new interest rate also restoring your credit. I was currently behind two months, now it has become five months. I am going through a terrible divorce of nearly a year after being married for twenty three years. I was desperate and after hearing about this "company" on a reputable news program such as GMA I thought I was safe! Wrong!!! I gave them my last nickle and now that is gone as well. I have heard from several people all seemingly pleasant and professional now when I have tried calling them to find out the status of my loan app. the numbers were out of service. My emails came back as undeliverable. I have reported them to the Attorney Generals Office in Massachusetts where I live. I am scared and so depressed about the situation. This company that goes by two names (supposedly two separate departments) Fedaral Loan Modification Law Center and ?Apply 2 Save lied and knowingly scammed me. I had sent them my personal financial information including my s. s.# and since have had to call all 3 credit agencies putting a fraud alert on my s. s.# Anything you can do to help retrieve my money and bring these theives would be sooooo appreciated! Thanks you for your time.

He I was told by the BBB that apply 2 save was going to refung 800 of my 1000 about a month ago. Today the BBB told me that apply2save has closed there doors for good and that they cant help me to get my money back. If this is true, its like they stole money from us. Good Luck

I'm very sorry for anyone who was ripped-off by A2S. I'm working with the Federal Trade Commission and doing everything I can to bring them down and get the victims compensation. You can read my post today on scam.com, but if you would, please help our case by contacting the FTC at 1.877.FTC.HELP and filing an individual complaint. I am a former employee and am bringing more current and past employees forward. We need help with as many homeowners contacting the FTC as soon as possible to move this case faster. You can also email me your contact info at [email protected]. I'm putting together as much information as I can to take to court.

on 12-20-08 I Sent in all the paperwork and documents they requested. I contacted them the next day to make sure they recieved my info and that it was done correctly, they said they got it and everythinng looks good. They also said that I should have no contact with my mortgage company, and that they would be handeling it when the paperworkwas turned in.
Well on 1-26-09, I called my mortgage companys, because I am behind on my payments, to let them know I am trying to get the situation under controll.(I have mortgages with 2 companys they are handeling.) Both of my mortgage companys have no forms stating apply 2 save will be handeling my loans. I know I signed the "letters of authorazation" because I had to do it 2 times.
So then I contacted Apply 2 save, to see what the status of my account was, I didnt tell them I talked to my mortgage companys. My account handeler told me he couldnt access my info yet and that his assistant had my paperwork, and the assistant happened to be sick that day. The next day I called and spoke with the assistant, he the told me he needed more of my updated pay stubs and to fill out a new form that countrywide requires for its costomers. I just said ok.
If the info was sent in the first time I wouldnt need more paystubs. If I never called to check my account they probly never would have told me about the aditional paperwork or stubs. I had to call them many times to find this information out. this is the main reason I think there riping me off, If they were as good as said they would have called right away. This assistant is the 3rd person handeling my account since I started 2 months ago.
I am willing to talk to any one else who was with apply to save?