If you are looking for help for your car loan, DO NOT USE THIS COMPANY AS THEY ARE A TOTAL FAKE. A few weeks ago I was looking for some help with a refinance and I saw their website which claimed they could get my payments reduced in half. I got an email from them soon after I sent my request and I never responded. I was also speaking to several other companies that I put some information in their websites and asked questions about other companies I was looking at. I found out a lot about this company from their competitirs like they changed the name of there company from "Nafso Vehicle Loan Modification" (I even found this complaint at this website which is why I put one here too, http://www.complaintsboard.com/complaints/nafso-vehicle-loan-modification-c411172.html) to Vehicle Loan Modification because they were being sued by the company this person stoled the idea from. I never signed up with any of them because I read too many problems with the issues but one guy at the company told me all about the lawsuit and the lies and even that the guy who owns the company changed his name from Nathan Nafso and says his name is Richard Davis. He told me his phone number and they matched what I got from the email and stuff and then he told me his real cell phone number and even called it while he was on the phone with me and guess what, it was the SAME VOICE as the guy named Richard Davis but it was the Nathan character. Whatever you don't call these guys if they email you because it's really only one guy and he lies about who he is. Vehicleloanmod.com is a complete scam and if you paid them GET YOUR MONEY BACK because they won't get you any help.