Is it a Scam?

[Joel Fraser]

I got a call tonight from someone at a company called, " a company". The rep told me that he could get CITI to modify my loan down to 5% or 6%.He asked me a lot of questions on the phone and after I answered them he said he was 99% sure he could get CITI to agree to a modification.All I have to do is fill out some paperwork and send all my docs, w-2's and bank records, and then he can tell me for sure if I "qualify".The fee is $2,500 but he says it is guaranteed, so if they don't get the terms modified, I don't pay. I am skeptical.Has anyone heard of these people? Are they preying on those that are vulnerable to this type of thing, or is this legit?Any feedback on this matter is GREATLY appreciated.