Completely disagree with the previous review. Helpful? Sure they are. Helpful enough to guarantee miracles. The formulas have been figured out and perfected. The process is simple. They charge half upfront to start the scheme. Then they look over your income, what bank holds the loan (title holder) and the roll begins to roll! They tell you how much you need in income to "quality" for the modification, forge current pay-stubs (inflate or deflate), tell you to withdraw money and redeposit it to make it look like additional income and if thats not enough, then they advise you to have one of your family members "contribute" their income if needed. I heard of them from a few people and am not going to be apart of a illegal typical Russian operation. Its all a matter of time before they will be on the FBI radar and brace yourselves to be audited once they get caught.