We hired this company when we knew we were going to have some financial hardships that would make our mortgage late & our bank wouldn't work with us. We'd never been late until that point. SMHUSA agent told us to quit paying the mortgage or we wouldn't look like we were in a financial hardship. We paid $1500 for them to negotiate a modification for us. 90 days & a milltion phone calls & emails later we were to find that they didn't negotiate a modification & our home was ready to be sold. SMHUSA was still telling us not to worry, the deal was almost complete & the bank was just trying to scare us. They'd said not to contact the bank directly because it would negate their authority. Finally we did contact the bank & found out that SMHUSA hadn't even contacted the bank in over 4 wks. We ended up having to pay $7665.00 to keep our home from being sold. They have ruined us financially, as we now cannot even refinance due to being late on our mortgage.