I recently fell victim to Charlie Rose at Haffar and Associates. He told me my non owner occupied property qualified for a loan modification. He made claims that the process would not affect my credit, that my payment would go down several hundred dollars, and that it would happen quickly. Then I was assured that the company was in full compliance with california law. He insisted on an up front fee of 3500 before any results were achieved. 6 months down the road I find out from the bank a mod is not possible and now I cannot reach Charlie or anyone and get no calls from the orginization. Not only that but my credit is ruined. These people are liars and need to be shut down by the feds. Mohammad Haffar Bin Laden shoiuld be disbarred for endorsing such fraudulent practices. Thanks alot for making me lose my home. SCAM SCAM BUYER BEWARE.