This office was very unprofessional. Our modification specialist ,Mary was a tiger. She aggressively fought for our interest. But midway through our modification she resigned. Her replacement was clueless. He made it clear that he was thrown into a possition to take over several clients and he was u...nfamiliar with them all. We completed our 3 month trial period successfully. I contacted him with concerns about proceeding. I specifically asked if we were expected to pay our fourth month and he confirmed what the mortgage company had said that no payment was due that month. Frantically he called 3 weeks later asking if we had made the June payment. We had no papers. No contact with our mortgage company. Here he had the paperwork and on the 5th of the month panicked because we did not even k ow that we were required to make a payment by the 1st. Which had past. Then he gave us a ridiculous monthly payment which he claimed included our taxes and insurance. It was so low we knew something was up. Upon going into the office on the last day to sign papers and accept the modification. We were not given any plan B's. Which we were originally with. Mary. Just sign and have a good life. The mortgage went to 40 years. The monthly payment had not included taxes or insurance as we thought and actually increased. No speaking on our behalf. No representing us. We could have done it ourselves with better results. And saved ourselves $2500.00 our experience in a word "scam". Keep your money