I received a phone call from Modify Debt Experts letting me know that they could help me resolve some of my debt issues. I really needed the help so I bit on the offer and they took me for a ride to the tune of about 6 grand. I was making my payments to whom I thought were those companies I owed money to. I turns out that Modify Debt Experts didn't apply any of the money I gave them towards any of my debt. I receive letters from collection agencies almost every day and whats worse is that not only is my credit worse because of lack of payment but they also reported on my credit report that I was using a credit counseling service which automatically lowers your credit score, only they did nothing to help me.

Do not do business with these people. I am taking legal action.