If you are working with a company who offers you a principal reduction and ask for upfront fees. Realize that this seems to be the latest Scam for desperate homeowners who are trying to save their homes. The Guardian Group was shut down as they were a scam offering principal reductions. Companies like Atlantic Mutual, Investors Finance Inc, and Principal Reduction Experts are selling the same story. There are many others out there. If they are offering principal reductions for upfront fees, this should be a warning! Proceed with caution!