I was called by the Federal Modification Group in Westland MI and told me if I pay two tousand dollars they will modify my loan to a lower interest which will result in lower monthly paiment.The process will take no longer than sixty days.Contrary to that the process is still not finished and when I call there is no one to talk to me and when I write them they refuse to take my mail. I do not kno about other people but I found this group as a bunch lyers and rippers who make thei living frokm stealing other peoples money.When paying the $2000.00 I used my credi card and I am payiong interest on that for more than a year.I sentmy complain to BBB but they still haven;t resived a reply from them. I am writing this so other people do not fall into their trap.