YES! USMAC IS A SCAM !!!
They collect money that people who are already in desperate situations cannot really afford to part with. And in return, they make you jump through hopes getting all your financial information together. And all they do for the thousands of dollars they charge ... is mail your file to your bank.
They don't follow up ... they don't do anything else. If there is a problem at the bank ... USMAC is the last to know about it because they never follow up once they send the bank your information.
On top of that ... the banks don't half know what they're doing ... but you can do the Loan Modification yourself ... without sending $3000+ to USMAC!