In October we contacted our realtor for advice on what to do about the fact that we were upside in our home, making less money than when we purchased the home, with no possibility of refinancing. (Our lenders told us we didn't qualify for a loan modification because we were not delinquent on our payments.) She referred me to United Services Group because a client of hers had used them to modify loans on 3 of her properties. This client was enthusiastic with her recommendation and said the company was great. I was skeptical about USG's requirement of having to pay them $6000 before they would negotiate the loan for you, but with this recommendation I felt positive about it and decided to call. Mark Anthony Workman was the first contact I had. He assured me they could get us 2-3% fixed rate for 40 years, combine our 2 loans and forgive the amount we are not paying right now. He advised us not to pay our mortgages until a loan modification was negotiated. It's been 4 months that we haven't paid our mortgage and we are eligible for foreclosure, our credit is extremely poor, we are out $6000. We've also had contact with USG employees Charlie Toledo, Alex Johnson, Greg Paramore, Devon Pendergraf. Fake names I'm assuming.
On January 23 their phones were turned off. My emails have not been returned. The UPS office located at the same address as USG's told me they "moved" at the beginning of this month, and they closed their mail box. My lender reported that the last contact they had with USG was December 28. Nothing has been negotiated.
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