They are a SCAM!!! Don't be fooled and give them your money for a loan modification(disguised as a loan audit in their paperwork because companies can't charge for modifications until they are completed and approved by the bank). Since we gave them our money they have done nothing although they claimed they had - consequently our loan got further behind and a NOD was filed on our house. They have a picture of an office bldg. on their paperwork - when we went there after we couldn't contact them we found it was a postal store.