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It appears that this is the end of the for-profit loan modification business (at least for those that charge upfront fees). For fear of losing or suspending their legal practice, those attorneys who had been performing loan modification services for upfront fees are likely to cease doing so. This is a good thing as it will help eliminate scammers. But if this does indeed pan out, then what is a desperate homeowner-- who is behind on mortgage payments--to do?

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"Why haven't you answered to our offer? Are you willing to live in the streets? High pressure strategies signify difficulty. Don't be contacted by anyone who pressures you into working with them to stop foreclosure. This is how legit housing advisors do business.

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Let's get to the legal side of all this. All these sites, including Google, Amazon, Clickbank and others, are trademarked. And by law, if you use a trademarked name, you better get permission from the company. In some cases you might be allowed. In most, you won't. This doesn't seem as a reason to stop people, though, because it is possible for one of these giants to come after you. There are many product-creators in the world, so it's not feasible to pursue them all.

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