On my taxes I made arrangements with the county to make payments. I advised Financial Freedom of the arrangement. They said OK. When I went to make my payment to the county they advised me that Financial Freedom had paid the taxes. I changed insurance companies and Financial Freedom was notified by the Insurance company I changed from that I had cancelled them. They got their own insurance and charged me. So I was paying for 2 insurance policies until they got it straightened out. Then they sent me a letter of foreclosure for unpaid taxes. We made an agreement for me to pay them for the taxes and they sent an appraiser to the house to do an appraisal. My house is in a middle class neighborhood where houses range from $125,000 up. My neighbor sold their house for $145,000 and it is same size as mine and in the same condition. The appraiser used comps from a low income housing area where houses sell for $49,000 to $70,000. They appraised my house a $85,000. According to them I owe them around $95,000. I wish I had never gone with them. I would not suggest anyone using them. When I call them I always get a different person and every time a different answer. They do not seem to have the stuff together.