The $4,500 loan mod that couldn't

Q: This isn't about a home sale exactly, but I hope you'll look at my situation anyway. I hired a loan modification company that had a very good reputation. (I'm not behind on my mortgage payments, but I wanted to have my lender extend my 5-year adjustable-rate mortgage to a 30-year-fixed.) I was very wary of getting scammed, so I asked my mortgage broker -- who has worked with my family for decades -- to refer me to a company.

The company seemed legitimate. It was associated with a law firm, and offered to give me a full refund if it couldn't get my loan modified. My boyfriend is an attorney, so he made sure my contract stated that the company would put my money in a trust account until they completed the loan modification.

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