Not every Foreclosure Defense Attorney or Loan modification company is out to get you!

It is just another day trolling the web looking for stories relevant to the foreclosure market and the latest news.  The internet is just crawling with stories about foreclosure scams, new laws to protect consumers and revisions to the government's mortgage loan modification program Home Affordable.  I came across website and many articles advising homeowners to stay away from defense attorney's and loan modification companies.  Many of these sites and articles state you should work with your lender or a certified Hud counselor.  Which by all means is fine, however, isn't it partially the lender's fault for the real estate mess?  After all if they had actually underwritten the loans they way they should of and had maintained some sort of guidance and didn't let greedy investors say "sure let's ride it out and deal with it later", maybe our real estate nightmares wouldn't be so bad.  After all who is crazy enough to approve a loan that states no income or a loan that basically lets you lie about someone's true income?  Really?  Did we do that?

So now we are warned about foreclosure scams, one of my favorite sayings is, "you make the bed you sleep in." Not to say there are not seedy, greedy attorneys or others in the foreclosure industry, obviously it is just the nature of business and people.  However, the flip side to all of the negative news we hear about foreclosure scams, in truth many of these companies are actually an active part of the process and I'm sure with no doubt they have helped more homeowners than we really know.

After all don't the homeowners who were scammed have to take some sort of responsibility for being somewhat lazy and not wanting to educate themselves about their options?  I've been in this industry for a while and I've seen both sides of the coin.  Some people are just that LAZY; they want someone else to fix their problem and will get mad at you just because you didn't give them the outcome they wanted.  Well I'm sorry if you don't qualify it is what it is.  You want me to lie? I don't think so!  Isn't that one of the reasons why we are in this mess?  Some people need a reality check!

Bottom line is as a consumer we have a responsibility to educate ourselves and not be duped into scams.  There is only one thing certain in life and as morbid as this may sound, our time on this planet is limited, that my friends is the true reality of our lives.