Federal Loan Modification California-based $2,999 retainer?

I am considering giving 2,999 dollars to federal loan modification program (based in Cali) to help me negotiate with my lender.

1. Is this a good company?
2. How much will they help?
3. They have said that they have a 99% success rate in helping people lower theire mortgage payments. Is this true?

4. What if they take my money even if they do not help??

5. Can you recommend any other company?

Thank you

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