I just found this article on Moneywatch.com.
Check it out, you’ll be amazed what the banks are doing to people who are trying to do their own loan mods! It's should be a crime!
MoneyWatch.com Article Here
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Homeowners' guide to understanding Loan Mods; who is eligible, should they do it themselves and what will it cost?
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Let me know what you think. Let me know if I can help.