5/14/2010 8:50 AM (PST)

Dianna,
This company has a C+ and a few complaints on file with allegations similiar to yours. I would urge you to file a complaint with the BBB and also with the FTC if they are not providing the service since effective October 11,2009 it is illegal to request advance fees for a loan modification.

Here's the link to the Federal Trade Commission:
https://www.ftccomplaintassistant.gov/