Six months ago I contacted a loan modification company, Fortified Financial, to help me with a loan modification as I work full time and cannot spend my days on the phone. They charged my credit card $3000. Four months later they got an "offer" from my mortgage company that was actually higher (about $100) than my current mortgage payment! Despite repeated phone calls to Fortified Financial and many emails, no explanation was given other than, "This has to be a mistake." About a month later, another offer arrived that was exactly the same as the first. That was two months ago. My contract with Fortified Financial specifically states that I will receive my money back if they can't save me at least 10%. I have politely asked for a refund. No response. I've called many people and sent many emails to people in the company and have gotten no response. It would have been easier and quicker myself to deal with the mortgage company. And now it looks like I'll have to sue Fortified Financial, file a formal complaint with the state, call the local news channel complaint watchdog, and contact the Better Business Bureau...as well as modify my own loan. (Sigh) I wish there were more competent and honest people out there.