Please be advised, the company "American Platinum Financial Services", which currently has an "F" rating with the BBB, has changed their name to "Legal Helper's Debt Resolution". I suppose you have to change company names often when you run a scam such as this.
DO NOT get a loan modification from this company. I have been dealing with them for 16 months, and still no loan modification...and no money back, as the contract states.
See the "F" rating here:
http://www.bbb.org/central-northern-western-arizona/business-reviews/loan-modification/american-platinum-financial-services-inc-in-scottsdale-az-1000002292/
See other ripoff reports here:
http://www.ripoffreport.com/Search/american-platinum-financial-services.aspx