But how does that help you? It doesn't help you if you don't have the money to invest. You actually make it worse as you will be competing against people with a great advantage. This advantage is helping them pull ahead, steal customers and make more money. You have heard the old saying about the rich getting richer and the poor getting poorer? This is a great example of how it happens in business. But it doesn't need to be that way. They might have money but you have brains. You can beat your biggest competitor if you have the brains and perseverance to do so.

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Research the Company. Request specific information from the company. For example, how long they've been in business and where they're located (not just a postal address). Box), how many customers, what their refund policy is (read carefully), how long to get paid, and if there are any restrictions.

The bottom line is that this seems to be the end of for-profit loan modification companies (at the very least those that charge upfront fee). For fear of losing their legal license or click here being suspended, any attorneys who were performing loan modification services in exchange of upfront fees will be forced to stop. This is a good thing as it will help eliminate scammers. If this is true, what can a desperate homeowner who is behind on their mortgage payments do?

In addition, the Federal Trade Commission (FTC) is proposing a nationwide ban on the charging of upfront fees by loan modification companies. It is not yet clear if attorneys will be included in this ban. The ban is designed to stop unethical loan modification businesses that are not providing useful services. In effect, attempting to eliminate those that are "scamming" innocent desperate homeowners.

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