These guys, also known as Raul Munoz and Jorge Granados are really bad people. They promised principal reduction then let you lose your house to foreclosure. It isn't just me, I'm finding out they have screwed over many people, I know of more than 20. I had to take my files to someone else to even save my home from the bank taking it from me. I didn't get as good a deal as they were promising me, but at least I didn't lose my house. They promise you the world and take your money and do nothing. These guys are bad. Go find anyone else to help you save your home and you will be better off. Have an attorney do the job, not these losers.