As for People's First, the company insists they have many happy customers, and don't condone overpromising.
"I apologize if people do make guarantees," said Tim Hutchison. "We don't make guarantees, to my knowledge, because there, there is no guarantees."
Insiders told "20/20" that the company has hired more support staff, but say that for some customers, the changes came "too late."
Too late to save the house Debbie Dillon's father had built 35 years ago, and that her husband lovingly remodeled.
"I'm angry 'cause I'm gonna lose everything that I've put into this place, for my for my wife and for myself and for my grandkids," said Dan Dillon. "You know, to enjoy it after we're gone. But it ain't gonna happen. "
People's First insists it has many happy customers, and critics don't dispute that, but they also say greed led to collecting thousands in upfront fees from many more clients than they could ever help.
The Dillons will say goodbye to the home where Dan Dillon said they have "a lot of memories."
"It was good while it lasted," said Debbie Dillon.
"Someone will enjoy it," said her husband. "Won't be us."
U.S. Government's Program to Refinance or Modify Loans: To find out if you qualify, and how much your loan might be reduced, CLICK HERE.
HUD-Approved Foreclosure Counseling Agencies: CLICK HERE to find a HUD-approved counselor or call 877-HUD-1515.
Neighborhood Housing Services of New York City (NHS): CLICK HERE to reach NHS, a HUD-approved counselor.
CLICK HERE for more information on where to go for help.