People open your eyes.Learn about the products available to you for a loan modification. Nobody can modify your loan except the lenders themselves.THAT CAN BE A CRAP SHOOT.If your mortgage company is willing to work with you.YOU MIGHT GET A SMALL REDUCTION, BUT DON'T HOLD YOUR BREATH.lucas lawcenter saw an apportunity to get large and fast amounts of money on false promises. BROADCASTING ON PUBLIC RADIO CBS TO BE EXACT.GOT ME SIGNED SEALED AND DELIVERED.THERE AD'S WERE SO CONVINCEING.Foreclosures in the thousands at3900.00 a modification.They tell you what you need to here and you swallow there BULL HIT because you don't know what else to do.They told me not to make my payments and not to contact my mortgage lender.They also told me to make sure that I was totally maxed out indebt.This was to help my case to get the mortgage people to listen.The more debt you had the more they say they could HELP reduce your payment.MORTGAGE COMPANIES SO FAR.EVEN WITH PRESIDENT OBAMA'S STIMULAS PACKAGE ARE STILL THUMBING THERE NOSES AT HOMEOWNERS.THEY DON'T CARE ABOUT YOU.EVEN IF YOU ARE RENDERED DISABLED OR LOOSE YOUR JOB.HOLD ONTO YOUR MONEY, CALL YOUR LENDER, LISTEN TO WHAT THEY TELL YOU, MAKE UP YOUR OWN MIND ABOUT GOING INTO FORECLOSURE.IT TAKES ALONG TIME TO GET KICKED OUT.BANK YOUR MONEY IN THE MEAN TIME AND DON'T WASTE YOUR MONEY ON LOAN MODIFICATIONS.I started in sept. of 2008 and I got nothing for my 3000.00.May 2009 we filled bankruptcy and haven't heard from these idiots.THANK GOD THE FTC STOPPED THERE RAPE AND PILLAGEING. ALWAYS CHECK WITH THE BBB BEFORE YOU SEND MONEY.THEY HAD AN F RATING BEFORE I FINALLY GOT SMART AND CHECKED.ALSO NEVER SEND MONEY OVER THE TELEPHONE PERIOD!!!