After attempting to negociate the muddy waters of loan modification, etc, re HAMP, for more than a year, failing repeatedly, we hired Jason and Associates. They worked with us over time, essentially taught BoA the HAMP and Fannie Mae programs, and succeeded in accomplishing more than I had hoped for! I have and do highly recommend the services of McGrath & Spielberger, PLLC. They are a pleasure to work with, and fairly priced as well!