Here is a scam Financial recovery USA, my pastor went to them, and they did charge upfront for a loan mod and they never did anything for him. They just prepared a document and crunched some numbers but the bank wont accept any of their materials or numbers, so he is out of $1.5 K on a pastors salary a full house pmt more he is behind because of these #%&@#s... I did some digging and Freddy Mac considers them a scam! I told him just to go to Freddy Mac and they do it for free And he is so nice so he wont confront then or say anything will probably lose his house because of them!
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