They collected an advance fee from me for a loan modification. According to SB94 the only way they can do that is to advise "...you do not have to pay a 3rd party...". PCM told me that they had an office inside Bank of American and worked hand in hand with the underwriters. I paid the fee based on PCM's five month guarantee and close professional working relationship with BAC (my mtg company) underwriters. PCM sent me out the door with a one page income and debt analysis (which I provided them) and some blank fax cover sheets and blank call logs. I was to do all the work myself and I have since found out PCM does not have an office or relationship with BAC. PCM did nothing more for me and they are now out of business.