Friend of mine used them. They charged him for a chapter 13 bankruptcy, then charged for. A modification. Learned the chapter 13 was not the best way to go and converted him to a chapter 7, which they charged him for. They could not modify his loan and then charged him 500 to short sale his house. He paid them over $12,000 and ultimately lost his house to foreclosure. All of this and when I spoke to them I only got to meet with assistants. Save your money.