Elect Group LLC played on my trust and desperate situation. After I sent an email to a government program I received a phone call from Elect Group. Neil Lipsky insured me I was in a great position to qualify for the modification. This was 01/28/09 After hundreds of faxes, phone calls, emails, nothing. Now I'm paying $100.00 more a month on my mortgage. Hello I was shooting for a LOWER payment not HIGHER! What a Ripoff.