If you are considering a mortgage modification, you should be aware of the various scams that are going on out 
there. The vultures are literally circling over your home waiting for you to make a move.
The scammers are very deceptive often presenting themselves as representatives of the Obama Administration. They send official looking documents which lead you to believe that they are legitimate, but they are not.
If a loan modification company asks for big up front fees or any fees up front for that matter, run don’t walk away.
You can read more about these scammers here.