National Loan Restructuring Atlas Financial Money Back Guarantee! Yea, right. Don't expect a Refund. Do expect a major 12 month hassle! West Palm Beach, Florida

Sadly, I paid $2495 for help with a loan modification from National Loan Restructuring.  After a year of bad advice, delays, and even outsourcing my work to a third-party company, they reneged on their Money Back Guarantee when the bank declined our loan modification.

Their agreement said, We offer a Money Back Guarantee of the client fee in event that the loan modification is declined.  My application was declined because it was an FHA loan, a fact they should have known before we even started. They claim they have expert attorneys but I never heard them speak of attorneys after the initial sales call. They refused to give me a refund and fabricated a laughable excuse.
 
I feel ripped-off by this company and would never recommend them. Their CEO, Robert Ready, was touted to be a pillar of the community, but he wouldnt even answer my email when I tried to appeal the companys decision.  I have filed a complaint with the Florida State Attorney General and the Better Business Bureau. I was trying to help a struggling single mom with four children and this company took their money without providing any value.  It is a shame.

Based on my experience with this company and reading from others, I believe that National Loan Restructuring uses dubious sales methods to get all the sales dollars they can. They process as many loan modifications as they can. And they deny refunds to the rest. They have a nice semi-legitimate operation. Their company values might be summarized as, "Honesty is the best policy. Ours runs a close second."

Now that I am a little smarter, I would recommend calling your bank directly or utilizing some of the other free resources to see if you qualify. If you feel you need professional services, use a local company whose office you can walk into.  These people know it would be too expensive for me to take legal action across country, so I am stuck. Dont let this happen to you. STAY AWAY FROM THESE GUYS!