The REST REPORT is a huge rip off. They charge between $700-**** for a report called a NPV report. Supposedly, this report will tell you if your mortgage company will modify your loan. It is a FRAUD. Anyone can do this themselves in 5 easy steps and save the $700-****. Also, the people who are involved in this are quite dubious. Moe Bedard, recently out of prison and runs a blog loansafe.org. Martin Andelman, a true shyster and Brian Colombana, a disbarred California attorney. Save your money and avoid these frauds at all costs!!!!!! Report all issues with these people to the California Attorney Generals Office.