Thanks to Kevin Atkinson of Colorado Springs who told me about a text message he received on his cell phone from southern California. The company, loanmod-gov.org claims it can lower your mortgage payment by modifying your loan. It also says it can work with people who have had late payments or have upside down equity.
The company's website asks for a lot of personal information which shouldn't be given to a stranger. And just because it uses the word "gov" doesn't mean it's connected to a governor or a government agency of any kind.
Just beware of anyone, no matter their credentials, who claims they can do a loan modification. Many are crooks looking for distressed homeowners who are desperate for help. There are countless stories about folks who pay an upfront fee ... money they can't afford to lose... only to find the people they trusted were only there to take advantage of them.
The first step if you're looking for a loan modification is to contact the lender. Don't believe promises made by a stranger requiring cash upfront. The FBI is investigating thousands of loan modification cases. Believe me, you don't want to be on that list. Protect yourself by doing your homework and knowing your rights.
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