Naca is the Biggest Scam I have ever seen in my entire life, I can't believe that this is a government funded program that my tax dollars pay to mislead people , well we the people of this party does Not want my tax dollars being used to deceive homeowners that are in need of assistance from these liars all the way to the white house that approve such things. The government should not be funding this program this is False advertisement and they have sold homes to people for more than they are actually worth and the government just keeps bailing these mortgage co out while they are still ripping people off they send letters out trying to get u to refinance and say u qualify for a streamline loan no closing cost and when u start the process they say oh well you will have to pay fees and mine was suppose to be a streamline loan and the corporate office kept ignoring my calls and passing me to another employee who would do the same thing and then they sent me paper work saying that I wanted to do a home modification. And I never asked to do that and then I kept calling and they just kept lying and. So I thought maybe I needed an advocate so I heard about Naca and applied and submitted the requested documents and Resubmitted and Resubmitted and Resubmitted the same paperwork every time and then they tell you that you need a counseling appt and I say didn't we already do. That and they say yes but you need to go over and submit a budget and I said didn't we already do that yes but you need to just go ahead and sched the appt again so u do and all they do is ask u to keep submitting your check stubs and the Naca Auth pages 1-6 and your 4506 EZ tax form and your Dodd Frank cert over and over again and they say you can email it in and then after u do another counselor will say don't do that we never get it. And then when u finally break down and think I have been working with this for so long I had better give it one more attempt and u do set up the appt they say oh u have every document that us and the lender needs now BUT we need to resubmit your whole entire file again to the lender so they will have to actually look at it again, I'm like WHAT? I do not want to have to resubmit my file again when it took a year for u to finally say it was complete , and they would resubmit it anyway and then told me that I needed to submit my most recent pay stubs again and then they would say because they are gonna request it from you and I'm gonna sched u another counseling appt and when they ask you for it u can say go look its already there, and they schedule you an appt with a Naca Negotiator LoL no such a person, they have a recording call your number and its Naca saying u are a 77th caller in que Please Stay On the line and when its finally yoour turn for your so called sceduled appt it hangs up on you, this to is a scam because it has happened several times to us , the first time I thought it was an accident or trouble on the line but it has happened several times that way it looks like they have been on the phone with you having your phone appt. I have. Even had appts before and it called me and when the lady finally came on the line she asked me why I was calling and they scheduled the appt. Just a little Advise. If your waiting for Naca to come through for you , They aren't going to! So you Best not waste your time any longer , just seek legal counsel! If I knew then what I do now about Naca, I would have just sold my home ayear and half ago. I asked the corporate office of Naca if you are Negotiating for me with my lender then why are there Attorneys still serving me papers and calling my home. I filed papers with Naca in 2010 and my lender filed foreclosure papers at the cout house in Feb 2011 and now during this whole year of them supposedly advocating and negotiating for me. We got served with more court documents to file a motion to appoint a sale officer for 2 weeks away. I'm going to find me a Lawyer to Sue Naca for false advertisement. I tried to tell them several times that if this is gonna take that long of a process we don't have that much time we think this is not for us and we may just have to sell our home and they would always reassure us and say oh don't do that this is the last thing you need to submit. And it was just a repeat over and over. So Hire a lawyer nobodys gonna look out for you but Yourself and a good Lawyer! But I tell you one thing, IF God be for us who can dare be against us, the battle is not mine but it is the Lords! And he gave me wisdom to seek a lawyer!