The person sends newsletters via the internet about the type of services he offers. He told me he could negotiate with my lender and get a principle reduction for me so that my payments would be lower. He says that he charges $1250 up front and then $250 per month. He says that you can stop payments anytime you want. He then gets you to put money directly into his Bank of America account #063100277-229032934*. Once he gets the money, he asks you to fill out your financial information and fax it to him. He calls the lender and takes sides with the lender. The lender called me and said that they will not negotiate with him. He refuses to give refunds.
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