By E. Vernon Small
March 12, 2013 (San Diego) – If you are a struggling homeowner, you have undoubtedly been approached by companies that claim they will reduce your mortgage payments and/or your mortgage balance by negotiating a ‘loan modification’ with your current mortgage lender. All of these companies claim to be reputable and licensed, and many even operate as attorneys. They typically charge $1500 or more to handle this process, and most offer payment plans.