Those people at Blue Fox Financial are scams artists and need to be taken to task. They charge up front fees for loan modification work that they say they will do. They never mentioned that in Florida it is illegal to do that since they are supposed to show the results of their work first before they get paid. Then they say they will give the money back if a modification don't work out, when they really don't have no intention of giving back the money at all. It is a real shame and somebody needs to stop them from taking more money and from taking advantage of trusting gullible homeowners.