--- title: Foreclosure and Loan Modification Blog | loan modification help (2) description: loan modification help | Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. (2) --- [![Foreclosure and Loan Modification Lawyers](https://blog.amerihopealliance.com/hs-fs/images/forclosure-attorneys.png?width=360&height=117&name=forclosure-attorneys.png "Foreclosure and Loan Modification Lawyers")](https://www.amerihopealliance.com/) - Practice Areas - [Foreclosure Defense](https://amerihopealliance.com/foreclosure-defense) - [Claim Surplus Funds](https://amerihopealliance.com/surplus-funds) - [Loan Modification](https://amerihopealliance.com/loan-modification) - [Tax Resolution & Tax Preparation](https://amerihopealliance.com/en/amerihope-alliance-tax-resolution) - [Bankruptcy](https://amerihopealliance.com/en/bankruptcy) - [Probate](https://amerihopealliance.com/en/probate) - [About Us](https://amerihopealliance.com/about_us) - [Case Results](https://legal.amerihopealliance.com/case-results) - [Client Login](https://amerihopealliance.com/client_login) - [FAQ](https://amerihopealliance.com/frequently-asked-questions) - [Contact Us](https://amerihopealliance.com/contact_us) - [Blog](https://blog.amerihopealliance.com/blog) - [Foreclosure and Loan Modification Blog](https://blog.amerihopealliance.com/blog) - [Personal Injury Blog](https://blog.amerihopealliance.com/personal-injury) - [Referrals](https://amerihopealliance.com/surplus-case-referral) ph: (877) 882-5338 # Foreclosure and Loan Modification Blog - [Blog](https://blog.amerihopealliance.com/blog) - Foreclosure and Loan Modification Blog ## [Largest Loan Modification Scammer Ever Found Guilty in Federal Court](https://blog.amerihopealliance.com/blog/largest-loan-modification-scammer-ever-found-guilty-in-federal-court) [![](https://blog.amerihopealliance.com/hubfs/social-suggested-images/stoploanmodificationfraud.png)](https://blog.amerihopealliance.com/blog/largest-loan-modification-scammer-ever-found-guilty-in-federal-court) On Tuesday, May 2, 2016 a Manhattan federal court convicted Dionysius Fiumano of ***“orchestrating a massive mortgage modification scheme through which he and his conspirators defrauded more than 30,000 American homeowners out of a total of approximately $31 million,”*** according to Christy Goldsmith Romero, the Special Inspector General for the Troubled Asset Relief Program (**SIGTARP**). **Dionysius Fiumano, aka “D”**, and his co-conspirators oversaw a sales staff of 65 telemarketers and managers from 2011 to 2014. Fiumano was the general manager of sales at **Vortex Financial Management, Inc**, which was also known as **Professional Marketing Group (PMG), and Professional Legal Network**. The company was based in Irvine, California and claimed to offer mortgage modification services. PMG operated somewhat like a legitimate company, buying leads that gave them the contact information of homeowners who were behind on their mortgage payments and in danger of foreclosure and trying to get them to buy their "services." \[fa icon="clock-o"\] Monday, May 23, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [loan modification fraud](https://blog.amerihopealliance.com/blog/topic/loan-modification-fraud) [Read More »](https://blog.amerihopealliance.com/blog/largest-loan-modification-scammer-ever-found-guilty-in-federal-court) ## [Don't Put up with Your Mortgage Servicer Giving You the Runaround](https://blog.amerihopealliance.com/blog/dont-put-up-with-your-mortgage-servicer-giving-you-the-runaround) [![](https://blog.amerihopealliance.com/hubfs/Rep-681019-edited.jpg)](https://blog.amerihopealliance.com/blog/dont-put-up-with-your-mortgage-servicer-giving-you-the-runaround) When you have a problem with your mortgage, **it can be very challenging to get your loan servicer to work with you** to fix it. Applying for a loan modification, many homeowners feel like their bank actually wants them to fail so they can foreclose on their home. To state the obvious, **when you're contacting your bank it's because something's gone wrong, such as divorce, illness, or loss of income**. Maybe all three at once. Something's caused you to be unable to pay your mortgage and be at risk of losing your home to foreclosure. It's an awful situation to be in. Fortunately for you, there's this amazing thing that could permanently lower your monthly payment to an affordable portion of your income and enable you to keep your home. **It's called a loan modification, and it works by changing the length of your loan term, interest rate, and/or reducing principal.** It costs nothing to apply and there are no closing costs. \[fa icon="clock-o"\] Wednesday, May 11, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [mortgage servicers](https://blog.amerihopealliance.com/blog/topic/mortgage-servicers) [Read More »](https://blog.amerihopealliance.com/blog/dont-put-up-with-your-mortgage-servicer-giving-you-the-runaround) ## [The Bank Doesn't Want to Foreclose on Your Freaking House!](https://blog.amerihopealliance.com/blog/the-bank-doesnt-want-to-foreclose-on-your-freaking-house) [![](https://blog.amerihopealliance.com/hubfs/Bank-executives-617427-edited.jpg)](https://blog.amerihopealliance.com/blog/the-bank-doesnt-want-to-foreclose-on-your-freaking-house) As you fight to keep your home after defaulting on your mortgage payments, **it can feel like the bank is completely unwilling to work with you, that they actually want to foreclose on you and take your home**. And, since you're just one person fighting a huge bank that has billions of dollars and the best lawyers money can buy, you might as well just roll over and accept the inevitable, right? \[fa icon="clock-o"\] Wednesday, April 20, 2016 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [how to stop foreclosure](https://blog.amerihopealliance.com/blog/topic/how-to-stop-foreclosure), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [avoiding foreclosure](https://blog.amerihopealliance.com/blog/topic/avoiding-foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/the-bank-doesnt-want-to-foreclose-on-your-freaking-house) ## [If You Are Your Own Foreclosure Defense Attorney, You Have a Foolish Client](https://blog.amerihopealliance.com/blog/if-you-are-your-own-foreclosure-defense-attorney-you-have-a-foolish-client) [![](https://blog.amerihopealliance.com/hubfs/Lincoln-104152-edited-440974-edited.jpg)](https://blog.amerihopealliance.com/blog/if-you-are-your-own-foreclosure-defense-attorney-you-have-a-foolish-client) Abraham Lincoln said **“He who represents himself has a fool for a client.”** Honest Abe was talking about legal representation when he said that, and a century and a half later his advice still rings true. President Lincoln was a lawyer himself and knew that **it just doesn't make sense to act as your own attorney, even if you are one**. But some people have been doing exactly that in recent years while trying to avoid losing their most valuable investment, their home, through foreclosure. **Seven million homeowners have experienced foreclosure** since the housing crisis began and many of them don't have a clue about how to deal with it. Their bewilderment is completely understandable. **Foreclosure was never part of any homeowner's plan.** Unfortunate circumstances beyond the control of any individual homeowner has made foreclosure something that millions of homeowners have been forced to learn about. Some look into it and think they can handle everything on their own. “How hard could this be? I can answer a complaint and fill out a request for modification assistance without a lawyer.” Others learn about the laws pertaining to foreclosure and the ways to avoid it and conclude that having an experienced attorney on their side is essential. **While every person's situation is different, there are important reasons for everyone with mortgage problems to seriously consider hiring an experienced attorney:** \[fa icon="clock-o"\] Friday, April 15, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/if-you-are-your-own-foreclosure-defense-attorney-you-have-a-foolish-client) ## [Why You Need To Get Help With Your Mortgage Right Now](https://blog.amerihopealliance.com/blog/why-you-need-to-get-help-with-your-mortgage-right-now) [![](https://blog.amerihopealliance.com/hubfs/Dominoes-761715-edited.jpg)](https://blog.amerihopealliance.com/blog/why-you-need-to-get-help-with-your-mortgage-right-now) When you have trouble with your mortgage, it's important to **start thinking about how you're going to get out of trouble as quickly as possible**. The sooner you can understand the issues affecting you and what the potential solutions are, the sooner you can work toward getting what you want, which is **avoiding foreclosure and getting back on good terms with your lender**. While **it can take years from the time you stop paying your mortgage until until you lose your home** in foreclosure, spending that time dilly dallying, lollygagging, or failing to plan is a mistake. You're eventually going to lose your house, so use the time you have to your advantage by **saving money, educating yourself, and making a strategy**. This may seem like common sense, and it is, but some homeowners are so overwhelmed by the stress of potentially losing their home that they freeze up and don't do anything. **Playing dead is not an effective strategy.** Pretending that you didn't get the bank's notices does not make you immune to their consequences. There are productive things to do. \[fa icon="clock-o"\] Monday, April 11, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/why-you-need-to-get-help-with-your-mortgage-right-now) ## [Simple Mistakes Delay Approval of Loan Modification](https://blog.amerihopealliance.com/blog/simple-mistakes-delay-approval-of-mortgage-loan-modification) [![](https://blog.amerihopealliance.com/hubfs/Oops-1.jpg)](https://blog.amerihopealliance.com/blog/simple-mistakes-delay-approval-of-mortgage-loan-modification) **A loan modification is the only thing that keeps the homeowners who apply for it from losing their home to foreclosure**. It permanently lowers their monthly payment to an affordable portion of their income and enables them and their family to continue living in the home that they know and love. So, given the work it takes to apply for a loan modification, the cost of hiring an attorney, and the prospect of foreclosure, you'd think that no one who has been approved for one would fail to follow the simple instructions for finalizing the agreement. But **it happens all the time**, and it prevents or delays the final approval of a modification. \[fa icon="clock-o"\] Friday, March 18, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification denied](https://blog.amerihopealliance.com/blog/topic/loan-modification-denied), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) [Read More »](https://blog.amerihopealliance.com/blog/simple-mistakes-delay-approval-of-mortgage-loan-modification) ## [What is a Request for Mortgage Assistance (RMA)?](https://blog.amerihopealliance.com/blog/what-is-a-request-for-mortgage-assistance-rma) [![](https://blog.amerihopealliance.com/hubfs/RMA-094706-edited.jpg)](https://blog.amerihopealliance.com/blog/what-is-a-request-for-mortgage-assistance-rma) If you need help with your mortgage, you're not alone. **Millions of Americans have experienced hardships caused by factors beyond their control** that made their mortgage payment unaffordable. If that's happened to you, **there is assistance available that can help you keep your home and avoid foreclosure.** But to get that assistance, you'll need to complete a Request for Mortgage Assistance. \[fa icon="clock-o"\] Friday, February 26, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification lawyer](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [HAMP](https://blog.amerihopealliance.com/blog/topic/hamp), [hamp loan modification](https://blog.amerihopealliance.com/blog/topic/hamp-loan-modification), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) [Read More »](https://blog.amerihopealliance.com/blog/what-is-a-request-for-mortgage-assistance-rma) ## [Why You Aren't Getting the Help You Need to Avoid Foreclosure](https://blog.amerihopealliance.com/blog/why-you-arent-getting-the-help-you-need-to-avoid-foreclosure) [![](https://blog.amerihopealliance.com/hubfs/Problem-223420-edited-365172-edited.jpg)](https://blog.amerihopealliance.com/blog/why-you-arent-getting-the-help-you-need-to-avoid-foreclosure)   Some problems in life are too tough to handle on your own. They're too complex and are outside of your areas of expertise. To address those problems **you have to get help** from someone who understands your issues from the inside out. Nowhere is that more true than for homeowners facing foreclosure. **But how do you even know what type of help you need, what options to pursue, and who to turn to? Many do it by trial and error...** \[fa icon="clock-o"\] Monday, February 22, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [stop foreclosure](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure), [loan modification lawyer](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer), [loan modification denied](https://blog.amerihopealliance.com/blog/topic/loan-modification-denied), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) [Read More »](https://blog.amerihopealliance.com/blog/why-you-arent-getting-the-help-you-need-to-avoid-foreclosure) ## [How You Can Unlock and Create Income to Get a Loan Modification](https://blog.amerihopealliance.com/blog/how-you-can-unlock-and-create-income-to-get-a-loan-modification) [![](https://blog.amerihopealliance.com/hubfs/Mechanic.jpg)](https://blog.amerihopealliance.com/blog/how-you-can-unlock-and-create-income-to-get-a-loan-modification) Millions of Americans have experienced [hardships](https://blog.amerihopealliance.com/blog/why-you-should-write-a-loan-modification-hardship-letter) that have caused them to fall behind on their mortgage payments for a variety of reasons. Events like **loss of employment, getting divorced** and trying to maintain the entire household without the former spouses income, or a **medical problem** that prevents the homeowner from earning the living they're accustomed to, are common. \[fa icon="clock-o"\] Friday, January 29, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification lawyer](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help) [Read More »](https://blog.amerihopealliance.com/blog/how-you-can-unlock-and-create-income-to-get-a-loan-modification) ## [The 5 Stages Of Foreclosure Grief](https://blog.amerihopealliance.com/blog/the-5-stages-of-foreclosure-grief) [![](https://blog.amerihopealliance.com/hubfs/Grief-248914-edited.jpg)](https://blog.amerihopealliance.com/blog/the-5-stages-of-foreclosure-grief) Foreclosure is so stressful that you'll find yourself experiencing powerful emotions when you are faced with it. **Your home is the most expensive, and most important purchase you will ever make**, so the possibility of losing it is tough to reckon with. How do people do it? \[fa icon="clock-o"\] Wednesday, January 20, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [prolong foreclosure](https://blog.amerihopealliance.com/blog/topic/prolong-foreclosure), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [foreclosure defense attorney new jersey](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney-new-jersey), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/the-5-stages-of-foreclosure-grief) [\[fa icon="angle-double-left"\] Prev](https://blog.amerihopealliance.com/blog/topic/loan-modification-help/page/1) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/topic/loan-modification-help/page/3) ### About this Blog Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes. [![Click to Read Our Super Loan Mod Success Stories](https://no-cache.hubspot.com/cta/default/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953) Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a [free consultation](https://www.amerihopealliance.com/free_consultation) at any time. ### Subscribe to Email Updates - Popular - Recent - Topics ![feature image](https://blog.amerihopealliance.com/hubfs/images/Affirmative-517166-edited.jpg) [Using Affirmative Defenses When Answering A Foreclosure Complaint](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint) Published December 3, 2019 ![feature image](https://blog.amerihopealliance.com/hs-fs/file-371665267-jpg/images/us-bank-logo-slim.jpg) [How Our Attorneys Beat U.S. Bank, A True Foreclosure Stooge](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) Published November 6, 2013 ![feature image](https://blog.amerihopealliance.com/hubfs/images/auction2.jpg) [What If Your Home Doesn't Sell At Foreclosure Auction?](https://blog.amerihopealliance.com/blog/what-if-your-home-doesnt-sell-at-auction) Published October 13, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/Danger-124412-edited.jpg) [Avoid Inheriting A Timeshare By Filing "Disclaimer of Interest"](https://blog.amerihopealliance.com/blog/avoid-inheriting-a-timeshare-by-filing-disclaimer-of-interest) Published June 18, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/padlocked-home.jpg) [What Do You Do If Your Bank Changes the Locks on Your House?](https://blog.amerihopealliance.com/blog/what-do-you-do-if-the-bank-changes-the-locks-on-your-house) Published October 19, 2016 ### Lists by Topic - 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