It sounds great, you get a call from a company promising to help you negotiate your mortgage. One small catch they say, you have to pay a flat fee before they can get started. Its totally refundable in the event that they can’t get you a modified loan. Should you do it? No. In fact, check with your state, many have made this practice illegal. Stay on the safe side,

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Maybe you’ve seen those signs in Cedar Rapids that say ‘we buy houses’ and thought, ‘are those we buy houses scams?’ It could be…here’s how to tell.