6/9/2010 1:56 PM (PST)

Hi Ed,

You can access the company's BBB report and TrustLink reviews by clicking on "View BBB Report" and "View Reviews" above your question.

Have you tried calling a HUD-approved nonprofit housing counselor? You can speak with a certified counselor by calling 888-995-4673. They can evaluate your housing options, open lines of communication with mortgage lenders, negotiate a loan modification, and help you with household budgeting, all at no cost.

The California Attorney General's press release on "forensic loan audits" is posted here on TrustLink under New Scams.

Also, check out the "loan modification" tagged questions here on this forum by clicking on the Popular Tags to the left.

6/10/2010 8:48 AM (PST)

There are many options available for borrowers. foreclosure prevention counseling to determine the best option to keep your home, credit and debt counseling to address high credit card expenses as well as full budget review and recomendations with resources.

You can give Springboard Non Profit Consumer Credit Counseling a call and speak with a HUD certified counselor for Foreclosure Prevention counseling as well as credit and debt counseling. Springboard is part of the Homeowners Hope Hotline.
You do not pay for this counseling service.

Call 800-449-9392. Visit us at HTTP://www.Homeownership.org or HTTP://www.credit.org

There are many programs available for families to keep their home, Springboard will partnership with you to get an understanding of your current situation and gather information about your living situation. Gathering this information will help in finding solutions and resources that can benefit you and help with getting a resolution for you with your lender.

Ultimately, the goal is to help you create a realistic financial situation where you will be able to maintain your home long term. If appropriate, Springbord will also facilitate a 3 way call with you and your lender to discuss the loss mitigation options that may be available for you. Have your loan information handy as well as your basic income and general expenses. If you have high credit card debt, you may benefit from credit and debt counseling as well.

I would like to stress again, you do not pay for this counseling service and no company can guarantee a modification.


Effective October 11th, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All services must be fully completed before any charges can be imposed. It is also illegal to divide advance fees or services into components for the purpose of avoiding this law.

State regulators, the FTC, and other federal regulators recommend that homeowners should never pay any up-front fees and be on the lookout for high-pressure sales tactics. Effective October, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All modification services must be fully completed before any money can be collected. It is also illegal to divide fees or services into components for the purpose of avoiding this law. HUD approved housing counseling agencies are exempt from this law and since I work for one of these, I of course recommend that homeowners start their loan mod journey by calling us first. Our nat’l hotline is (800) 449-9392

Call 800-449-9392 and let your counselor know you heard about them on Trustlink.

6/16/2010 12:06 PM (PST)

Sorry for not being able to respond to your replies right away. Working nights leaves me little time anymore. Thxs for the info. I will take your advice an contact a HUD counselor and see what my options are. Ty so much for the help it is nice to be able to get info that can help.
Yours Sincerely,
Ed