Some borrowers, following the guidance provided in last month’s article, "6 tips for a successful loan mod," can handle the modification process entirely by themselves. Other borrowers need help. Unfortunately, as with all disasters, scamsters have emerged to feed on the afflicted by collecting fees for services they promise but don’t deliver.

You are safe from scamsters if you follow my cardinal rule: Select your service provider; don’t allow a service provider to select you. This article is about the options from which you can make a selection.

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