 Scam artists have been around forever, making promises that can't be kept. Everything from get rich quick to lose 30 pounds this week. Today, scammers are very sophisticated, taking advantage of homeowners facing foreclosure. If a so-called loan modification expert asks you for an upfront payment to fix your loan, run and run fast. Be aware of promises that can't be kept, like, I guarantee to save your home. We can significantly lower your mortgage payment. We have a 97% success rate.