I called them because I needed helped to lower my intrest rate on my mortgage and I talk to this guy we went threw all the process of getting everything going and he said they charge $995 for their services and of course it sound like a deal to me. So after the money was taken over the phone he said the person that is going to be workong fo me is going to call me back the next business day and she did went over everything and she got started because I call Chase to make sure, all she did was send them my forms and that was in Febuary I know they told me it will take up to 3to 6 months but every week I at least wanted a update on what is going on, no calls I tried calling her no answer for over a month I call Chase and they said they have not got in contact since then so we work out something and everything is settle so since FLM did not have nothing to do with this I want my money back. I have been calling every day now and all I can think about is they took my money and ran and I am feeling so bad right now.