I felt I asked all the right questions being in finance myself and said we wanted to think about the $5500 fee. We decided the fee was worth the reduction to our mortgage and since we have an ARM that will convert soon, I felt I didn't have much of a choice and this might be our only hope.

In July 2010, we paid our fee and the process began. Like others I've read about, received emails from Advent Funding about what was happening and then last week got the letter saying the company is dissolving. The paperwork about submitting a claim to them gives me slight hope but the wording in the letter gives me the impression I need someone to represent me..... Tomorrow my claim will be submitted by certified letter, but I'm not sure what to do now. Someone listed that Advent Funding is taking over? I plan on calling my mortgage lender tomorrow to see what had transpired since but don't know where to turn. Do we file complaints w/ the Attorney General? And what are the chances we will be refunded since they are in breach of contract? Uggghh, this is the last thing I needed.... We all need to put up a United Front and get these scammers if that's what they truly are and if it was a scam I'm truly embarrased to say that I feel for it as I'm smarter than the average bear....

Please post or reply if anyone has any additional information.