We are a victim to this company and i just read the story above and this is the same thing happen to me and my husband as of today 10.07.10. We were in the same process that the bank didn't provide us with any assistance and we (me and my husband) were referred to this company because she received a recommendation from her bank to go to them in 635 E. 1st. Suite 247, Tustin, CA 92780 or call 1-714-862-2595. A representative who was dealing with my sister's modication named Mike Henderson (Processor and the biggest CROOK EVER!!) had started their process and called me and my husband and convienced us to do our modification and since we needed that help and from the trust that was given to us from family members we started the process. BEFORE WE SEND ANYTHING WE ASKED ABOUT THE REFUND PROCESS AND THEY TOLD US IF THE BANK DENIED OR WE DECIDED TO CANCELLED IT'S NO PROBLEM WE'LL JUST CALLED THEM AND THEY CAN SEND US OUR 995.00 TO US A.S.A.P. WITH NO FRAUD OR B/S. We send all our paper work / document asked from us with a phone call from Mike Herderson was made to my husband right away in order to start the process and everything looks good don't worry it's going to get approved because the bank have to work with them since they're the government program, they need for us to pay $995.00 (wired), he faxed over a form with the company account # on it for him to do it. When we called the office the $ showed it was paid under our case. They promised the paper work is in progress and we called the office and whomever answered the phone like Adrian Garcia (Manager), Michelle, Daniel (Spvr) and many other workers we spoke too stated it's in the process. In August 6 they started the process and NEVER HEARD back from Mike Henderson or to be found @ that office, he called my family who was interested and expose me and my husband information to them and that's HIPPA violation and confidential information he shouldn't share with anyone @ all. We try and the company told us "His no longer with the company"...a couple days later we called again "Oh his not here his gone to family emergency"...next day is "oh we fired him because he was the biggest bad representative counselor we ever had in our office". We left many messages with all the workers who claimed they worked there. We finally got a hold of Adrian Garcia and he suppose to ordered Michelle (which they stated they fired her after that too) because she was not an employee there too. Anyways, Michelle called me and my husband saying "Oh your package is in the mail UPS next day air with a tracking #"...2 days after we called UPS and gave them the tracking # they couldn't find that number stating that's NOT a good tracking #. I called and left many message to Michelle what the hell is going on it's going on a wk and 1/2 and nothing yet, she never return my call. I call and spoke to Adrian Garcia and he was going to FAX all these documents and i say no send it the mail. We finally received our package in the mail after 2 wks of Michelle's lies that it was suppose to be UPS next day air. Now the bank gets the papers and denied it and asked us "WHY DID THEY PREPARE THE DOCUMENTATION KNOWING THERE'S A RANGE FOR THOSE TO QUALIFY FOR THE GOVERNMENT PROGRAM DUE TO INCOME AND MY HUSBAND MAKES WAY MORE THEN WHAT'S ASKING FOR, THEY SHOULDN'T HAVE PROCESS IT AND TOLD US RIGHT THERE AND THEN WHEN THEY REVEIW HIS INCOME?" . Our reply is "We did asked them that and per anyone there in the office Oh we received your $$ and it's going to get approved don't worry". Well now we want our refund back called Adrian and he stated "Oh i don't handle that you would need to contact customer service"...Before all this when he request for my package to go out I ASK ABOUT MY REFUND AND HE SAY "LOOK LET'S TRY IT AND IF IT DOESN'T WORK CALL ME AND I WILL SEND U A CK OF YOUR MONEY BACK"...now we called him for our REFUND and he stated "I'M SORRY I DON"T DEAL WITH REFUND YOU WOULD NEED TO CONTACT CUSTOMER SERVICE"...we call C.S, they transfer us the min. we say "ABOUT REFUND" back to Adrian's voice mail over and over about 20 times. During the entire week we try and try and try no luck...finally someone picked up the phone and i asked to speak to a supervisor and he transfer me to Daniel @ 714-862-2596 ex 236 who was another SPVR there. He knew about our situation and still try to sell us all kinds of stuff they do there. I complain to him about Mike Henderson and informed us that he was a BAD representative ever there is no LONGER THERE and he will foward my request right away to accounting department as we speak and it takes 3 dys for them to call my lien holder to verify that it was DENIED and 5 business day before i received the ck. It was Sep.22.10 (wed) and he stated by Friday he should have an answer and my ck should be in the mail before the end of the month. Starting Sept.27 i have been calling the office and GUESS WHAT? Nothing but voice mail saying "THANK YOU FOR CALLING MOD HELP USA WE ARE UNABLE TO ANSWER YOUR CALL" we left LOT'S and LOT'S of message to Adrian Garcia, Daniel, Michelle and the voice mail when you call over 2 wks and not once anyone called us. Daniel, Adrian, Mike and Michelle stated we can come to the office @ anytime if we want the door is always open and it's not a FRAUD or SCAM @ 635 E. 1st., suit 247, Tustin, CA. I gave up calling as of today 10.07.10 and my husband went there and surprise to us "IT WAS A P.O BOX". A place like a post office that ppl rent and use for their p.o box. Now we can't find them and unable to get a hold of them because it's nothing but voice mail throughout 2 wks now. I will report this to the police to get a report to do their investigation with their form that has the account # to track who this belongs too all the names of these people, report to the bank it was a FRAUD and SCAM and report to the Better Business Bureau. THEY ARE THIEF'S AND LIAR'S...U CAN RUN BUT U CAN'T HIDE!!!