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Review 5/29/2009
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I started working with FLM January 5th. We attempted to modify a first and second mortgage. They charged us $4200 up front. We were promised by Mr. Kissinger that they would get us a buyout of the second and a principal reduction and rate modificaiton on the 1st. He said they were a group of 50 lawyers tied into he government as well as all the major lenders and servicers. This should be no problem he said and should take less than 90 days but most are complete within 45. We agreed that I would pay half upfront and half when the job was complete. 2 weeks after we started the charged my credit card again for he second half. I complained and they said they would refund the entire amount if they could not do what they said.
During the process, they lost my file, never followed up to see if the lenders actually got their "Package", and dragged their feet due to "Changing programs with the goverment and lenders". We were bounced around from no less than 10 people. Our final person what a man named David Lockwood who was helpful to a point. He did say at one point that my lenders would not deal with me because I was not late on my payments and my interest rate was below 7%. He said foreclosures had priority. He advised becoming late so they would deal with me. We are now 5 months into the process and I've asked for refunds several times. Now I can't raise them on Email or Phone. I found out that the FTC has essesially shut them down. We are working with our lawyers to try and get our money back but we're not holding our breath. Sad thing is $4K rignt now would help get us back on track. We are late on mortgage payements and our credit has been destroyed. I'm attempting to work directly with my servicers and I'm finding them very helpful. Hard lesson to leran that we never needed these people in the first place! Buyer BEWARE!
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