NCA promised that they would modify my mortgage loans in febuary, 2009 and charged me $12, 000 upfront fees. I havent heard from them since and 3 banks that should be in a active status for a review is inactive since last year of April. NCA is avoiding my phone calls since last year April and I started this deal with them so I can be in a better situation and now I'm about to go into foreclosure. NCA is a professional theif and they should be in jail for all their activities.