For those of you contemplating hiring a mortgage modification firm, here is some valuable information found on the Federal Reserve Bank of San Francisco's website under the "Consumer Information" tab: Beware of Foreclosure Rescue Scams - Help Is Free! Foreclosure rescue and mortgage modification scams are a growing problem. Homeowners must protect themselves so they do not lose money—or their home. Scammers make promises that they cannot keep, such as guarantees to “save” your home or lower your... read full review »