I met with the Atlantic Financial group in the beginning of 09 to possibly get my current mortgage loan modified. The initial cost was $1300 to get the process off the ground with a promise that if for some reason the Loan modification was denied that I would receive $1000 back. Many months did go by and the lawyers did advise me that I should stop paying my mortgage while the process was going through, I did abide by this request. As the time went by I began to receive many calls and past due letters from my bank, I began to get very nervous so I would contact the lawyer. On numerous accounts I would be either forward to a voicemail to leave messages that were never returned or I would either be told that the lawyer that was working on my loan was not available. There are even accounts when no one would answer the phone to the office at all and it would be directed to a voicemail system. I was then advised to send my lawyer an email by the secretary who answered the phone this was also not replied to. I then began to receive Foreclosure letters from my mortage company, after many attempts I finally spoke to my lawyer indicating that I should fax her the Foreclosure paper work. The lawyer would also tell me that the Loan modification was going through and that supposedly the bank had already approved this and all they were waiting for was for the bank to send us the new payment information. Many months went by again and I the foreclosure letters kept on pooring in. Finally the lawyer told me that the loan did not go through and that only %5 of Loan modifications do go through, keep in mind that this is the same lawyer that did advise me that the loan had been approved and all that we were waiting for was the paper work. After that I spoke to the bank who gave me an ultimatum or either paying them $10, 000 which is what was owed at this point from us being advised not to make payments to my mortgage for so long. In conclusion I am not losing my house, and the Law group has yet to send me the $1000 which was promised if the loan did not go through. When I do call them it is the same story, the lawyers are not available or they are at lunch.