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"The TV commercial is produced by a company by the name of spotlight media. The TV commercial is on their site and on their alias site autopaymentsolutions.tv. Auto Payment Solution of Reno NV has no affiliation with this company. The alias spotlight media uses on its TV commercial is Auto Payment Solutions. (note the "s" on the end of Solutions). We have no affiliation with the brand name Auto Payment Solutions. When I started Auto Payment Solution, spotlight media had not yet started running its commercial and I was unaware of them. It is true that we are an auto loan modification service company. We provide a service to people in danger of losing their vehicle to repossession. It is also true you can attempt this on your own. The loan processing team we contracted has the highest success rate in the country. It is true that not everyone can get their auto loan modified. We have loan specialists who pre-approve your file before we request any information from you and submitting it to processing. Like any service, we charge a fee for our service. These negotiations are stressful and time consuming. Many people do not have the time during business hours to make the necessary calls to negotiate with their lender. Others people simply do not want to deal with the stress involved confronting and negotiating modified terms for their loan. Auto Payment Solution will gather the necessary information from you and do the negotiation for you. There are many companies on the web who offer similar services."