• We are not a government agency.
• We are not associated with HUD or your lender.
• Our services are not approved by your lender.
• You are encouraged to speak directly with your lender and/or a qualified attorney.
• Even if you use our services, your lender may not agree to change your loan.
• No guarantees are made regarding foreclosure postponement or loan modification.
No advance fees are charged for foreclosure consultation services." some where here