A pocket guide to avoiding mortgage modification scams

Mortgage loan modification. You need it. You want it. You have to have it. You're determined to get it. You're out on the street if you don't!

And, in case you haven't figured this out yet on your own, by the time you even start thinking the things mentioned in the paragraph above, a host of people in your community -- and even outside -- already know that you are in deep housing trouble. The wrong kinds of people. The kinds of people more than willing to reach their hands into your already-empty pocket and try to suck up even the dust left from the last few coins you once carried there.