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Consumer advocates say a growing number of fraudulent modification services involve lawyers, or people who say they are lawyers.
Instead of selling loan modification services, they are advertising so-called loan workouts and forensic loan audits.
Both the Zombecks and their friend were unaware that charging upfront fees for loan modification services is illegal in Massachusetts.
Federal law bans mortgage foreclosure rescue and other loan modification services from collecting fees until homeowners have a written offer from their bank that they find acceptable.
Capitalizing on the collapse of the housing market, a Fair Oaks, California company claimed to provide loan modification services while siphoning money from clients on the brink of losing their homes, say several former clients and employees.
In addition, the company allegedly stated that loan modification services would be performed by lawyers, when its only staff attorney was a disbarred Tennessee lawyer who claimed to have partners at "Smith Harris PLLC," an already defunct law firm.
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A list of nonprofit counselors — some of which offer free loan-modification services, and others that refer clients to outside loan-modification lawyers — can be found on HUD's Web site.
In addition, the literature shows that patients and their families face personal expenses for needed home modifications, services, and equipment due to lack of financial coverage or difficulties in accessing funded support [ 30, 39, 48, 86].
In a press release, Bank of America said that the drop came from a combination of defaulted modifications, servicing transfers and repaid mortgages.
The challenge for quality improvement in palliative care is to develop effective ways for the quick and efficient assessment of service performance and outcomes, as this facilitates the modification of services and practices in order to improve the quality of care at individual and institutional levels [ 5- 8].
The recent modification of services in this clinic to include a dedicated adolescent service may or may not be influencing adolescent outcomes since the cohort included adolescents from before as well as after the introduction of new adolescent services.
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