This is a good for nothing organization!!! Dont even waste your time, They continue leaving pamphlets at my door even after numerous complaints I have made towards them. The employees dont know anything about any programs and dont seem to be willing to answer questions or even help! But they sure do want alot of information from you! And if you dont give them the information they say they cannot help you. Its absurd!!! Trust me I had to do all the footwork myself to get my mortgage loan modified. It really is as simple as talking to your bank yourself! dont bother with any company to "help" you! Help yourself! T R U S T M E ! ! ! I T C A N B E D O N E