We were guaranteed by Merrick McCartha of Peoples First Financial in San Diego CA that both our first and second mortgage companies would modify our mortgage if we stopped payment and allowed their company to negotiate on behalf of us. We were also told and documented in an email that our mortgage payments would be reduced to $2100 from $3100 per month. We are currently in foreclosure due to the guidance of this company and may loose our house. We were told specifically by Merrick that we would not be foreclosed and that this process would take about a month and a half. None of which was true. We have paid them $1,167 of the $2,500 they requested and have asked for all funds to be returned. They do not return calls and have told us lie after lie.
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