To date there are only two states in this great Country of ours that have now made it impossible for their residents to get real assistance. Washington D.C. and now Massachusetts have both passed their legislation forbidding ANY "for profit" agency from doing loan modifications in their state. If you are a resident in those states than you have two choices for seeking assistance. You can either get a licensed attorney that can legally charge you an UPFRONT fee anywhere between $2500 and $5000, legally they will ask you for a fiduciary relationship (same as giving a loan mod company power of attorney), and I guarantee that "law firm" will put an inclusion in their agreement for payment on a short sale......OR you can contact a non-profit organization (HUD, NACA, Hope Now) and hope that their volunteers with little to no training are going to get done what you need, and be able to fit you in somewhere amongst the thousands of other applicants. Both Government Agencies and Politicians have agreed that the average American CANNOT negotiate their own modification, thus leaving hundreds of thousands of good Americans without a viable option.
I suppose what I hope and pray for is that the people that put this legislation in place have a problem with their mortgage, and have to wear the same shoes that they've put their residents in. Oh wait......they won't have that problem because they have a guaranteed paycheck every month that comes from those residents taxes. I guess they are just following the Leader right now......after all, "they've got THEIR health coverage....".
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