OakTree Law is awesome! I was literally about to walk away from my home because I was getting nowhere with B of A and felt hopeless. Until, I heard the radio commercial and called. Long story short I kept my home and got my interest rate reduced from 7.25 to 3.875 percent. Im now stress free and opening up the next chapter in my life thanks to the assistance of OakTree Law. Marissa Pitts is a great person that assured me the whole time with great confidence that my modification would happen. And it did, but not overnight. So be patient and believe in Oaktree.