This company Lopez and Morris will just get your money.They will be nice at first, pretending they dont care about your money.They will even going to give you time to think about what they are offering or they can do for you.But as soon as you will agree to them, they will ask you to give them half of the payment then half when they have "successfully" (which is just pretend- they dont even let you know what is going on and dont tell you anything until it is too late and your house is already close to forclosure..and they will just tell you THEY CAN'T DO ANYTHING MORE) bottom line ..all they want is your money.This company is a SCAM AND SCUMS.To think people are already in this bad situation and still all they think about is make money and take advantage of this unfortunate situation that we are in.