We are in the middle of bankruptcy, haven't gone to the last hearing yet. Our payment is higher now because of the arrears, we are considering refinancing, My question: how do I know if the mortgage company that I contacted is going to help me or is a scam? I have read good things and bad things about the services. Everyone wants 1500 to 3000.00 up front. What can I do to protect myself. My mortgage company that holds our title will not even talk to me unless I call off the bankruptcy, and then he told me they wouldn't promise they could help.
Anyone know what to do?

Hi desves, there is no definitive way to answer your question regarding scams. That is why so many people get sucked in. I don't think the Better Business Bureau is worth accessing. Not too many people are able to get answers from them. Sorry I can't be more helpful.

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