I contacted Platinum Legal Services in February 2009, and they assured me of the many loan modifications they have done thus far, and in the contract they send out it expalins of the turn around time it takes them to finish the modification. Well as of August 2009 still no modification and and every other week someone new is working on the file, with no phone call to advise of you of the change. When you do speak to someone it is like you owe them something the professional courtesy is TERRIBLE not just by the case worker but also the owner Derek Robertson. I paid over 2500.00 to them with a 100% money back guarantee, and now im fighting to get my money back not to mention the coward does not even get on the phone nor does he return any phone calls. DONT TRUST ANYTHING THEY TELL YOU. you are better off trying to negoiate the loan with your mortgage company yourself.