Rip off. This company promises you allot and tell you what you want to hear. First of all I already gone through another company on Loan mod and they keep me in the house for a year but the mod they gave me was more them my original mortgage. So I when to this company. They said they could get a lower modification and I also asked if the loan company could do a Forbearance's agreement again and they said no not anymore. But after paying 800.00 for a bankruptcy which you can do for 274.00 yourself. To stop foreclosure for 30 - 60 days so they can reapply for mod. But after 45 days they said bank want a Forbearance's before looking at loan so Choice Financial wanted me to do a short sale. I paid 3000.00 for this!!! I talked to bank and it is still going through mitigation with someone else and foreclosure is on hold.
Request all documentation and they still have not supplied what I paid for! I started working with a Non Profit and so far they are doing what I paid this to do, hopefully it work outs
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