"The Word is Buyer Beware"
In the scam, the organizations claim to review a home owner’s mortgage documents to determine whether their lender had complied with state and federal lending laws. They then promise to get the home owner a quick loan modification and possibly a principal reduction on their mortgage too. Home owners pay an upfront fee—usually about $3,000.
http://realtormag.realtor.org/daily-news/2011/09/27/scam-dupes-home-owners-fa...

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