I needed my loan to be modified and i was solicited to a Mr. Murray in Colorado ad said they could help me save lots of money on my modification and get me out of foreclosure. My file was sent to Toma Ghiran and Sylvia Delarosa in the upland office. I found out they only had one processor and i could never get a hold of them once i paid them my money. This went on for 7 months and nothing happen, no communication and Mr. Ghiran the partner of the company would never call me back and Murray could not give me any answers. Finally I got fed up and I asked for my money back and Toma Ghiran left his office and Slvia the other partner told me they could not afford to give me my money back was because Toma Ghiran had stole all the money from the bank account. I kept calling and one day they all vanished! i was left alone and scared what was going to happen.. They took my money and vanished after months of nothing. Toma Ghiran, Sylvia De La Rosa and nothing but scammers. I talked to the Colorado regulations division and they told me they scammed hundreds of people for money and they and a investigation is being done. I hope they get what they deserve for the problems they caused hundreds of families. I urge you to post your complaints about this company. If you have any information on these people please post them to report to the proper authorities.