You are warned, do not use this company. Everything everyone said about them is absolutely true.
Do not give this company one single dime. Use the money to pay your lender. Do not give these people any money. I can not emphasize enough do not hire these people, they will not provide anything they promise. They gave me the same song and dance as the Indy Mac guy but my loan is with Chase. I am now working directly with my lender to resolve my loan problems.