The following is a comment about "attorney backed" loan mod schemes. Please note the discussion which takes place around this post is not based on California law. But the principle laws are similar in many regards. Basically attorneys are in jeopardy of losing their licenses when then get involved in fee splitting arrangements.
Predatory Upfront Loan Modification Fees | Rain City Guide: "his is a scam. Any good bankruptcy attorney is capable of doing a loan modification without filing bankruptcy. Some real estate attorneys may do it as well. They will also explore the client’s other legal options.
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