I had originally spoken with Kevin Upton, who said that I definately qualify, and he charge is $3000:.00 I asked how long that was good for and he said "until modification is approved" I asked what if it wasn't he said "Thats not an option, we wouldn't take on your case if you didnt qualify" He also told me that they do not always accept the first deal a bank makes, they will send it back to be reworked and told me that they would get a principle reduction and my mortgage should be lowered between 800-1000 month|. I hired them, they did nothing that you can not do". I had to send them paperwork that they sent to bank.. My modification.. I got a higher interest rate, the backed up "interest" added onto the end of an already upside down house and another 10 years tacked on to the term, and this only lowered it less than $200 a month!. Then the attorney called me he said "Banks are not doing principle reductions on home personal property, and this was best they can do" I feel that they are glorified telemarketers who will take your money and do nothing for you:. BEWARE !!!