I had paid nearly two thousand dollars to have my mortgage loan modified. It all seemed too good to be true. Our monthly mortgage payment was over three thousand dollars, which was about what we made each month. The mortgage company would not work with us and a refinance was not going to happen. We were not behind with our payments, but knew we would be soon.

So we learned of this loan remodification company that offered a 100% 90 day money-back guarantee if the loan was not modified in three months. Simply put: nothing could go wrong, right?

But once the company got its money, it made contact with the mortgage company just once, and according to the mortgage company, that was it. Samaritan Financial Solutions, Inc. did nothing further, even when pressed by phone to do so, and my house slipped into foreclosure some seven months later.

I pressured the company to get at least the mortgage audit done so that perhaps there could be a modification with the mortgage company. Eventually, after much pressure and numerous calls, it did. But the audit was not legal. We had it analyzed by two lawyers who told us such.

And we had to get a lawyer because Samaritan Financial Solutions, Inc. was not going to continue the modification process. The company's owner does not want to give us our money back, and has said that they deserve the money for completing an audit, which of course, is not legal in a court of law. It was stated on their website when we retained their services that we could get our money back, but we didn't. And eventually it was promised that it would be sent out, but it wasn't.

Before jumping to conclusions and believing this is an isolated incident, I have two neighbors also in Mr. Diaz's program. One fell into foreclosure and the other has hired a lawyer. My spouse knows of other victims. Samaritan Financial Solutions, Inc. is a company that takes money from victims and puts off its work for them as long as possible, even if it means letting them fall into foreclosure.

From all our research and speaking with lawyers, we have learned that a true loan modification should be done by a lawyer or a modification company that has lawyers and will tell consumers who they are and how to reach them. If you fall into foreclosure, find a lawyer who deals with loan modifications. Don't get scammed like we did. Your home is more important than that.