I was contacted by this company's representative about helping to modify my home mortgage. I had just been informed my work position was being down-graded which cut my income in almost half. I paid the retainer fee and the guy disapeered. Some one else eventually took my case, sent me the paperwork to fill out and send back to them. I tried many times to call them as I had questions. At first I was able to leave messages which were never answered. Then I could no longer get through to them at all. I never signed any agreement with them as that was part of the paperwork they sent to me. It seems as they just disappeered also, along with the retainer fee. As I never signed any papers and had time to think things through more I had decided to cancel their service and work on trying to get the help I need on my own. I was never able to get a hold of them to request my money back.