H & R financial took advantage of me when I was at my lowest - losing my house, serious money problems, etc and promised to re modify my mortgage at a very low rate through a "special program" for the state to get that low rate and asked for $1200 to process the refinancing. After many phone calls and questions and out of desperation - we decided to try it. Worst mistake we have made - as soon as we paid, they would not answer the phone, emails, anything - they dissappeared. My husband was more than upset because we used the last of our money for this - he even told them he has 3 kids to support and even said he had thought about taking his own life - still no response. THis is the worst kind of ripoff - to prey on people who are desperate to hang on to their home and lives - those that have no money. We should get this money back - we never have. THis company should pay each and every person back at the very least.
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