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Video instructions and help with filling out and completing dmv i-94
I okay tourney Steve fondren we're back foreclosure warrior we're talking advance fees one of the hottest topics of the last couple years okay here's what you need to know basically advance fees you can't do loan modification and collect an advance fee until you've completely performed all the services you've contracted you would perform I'm not going to render an opinion on this foreclosure warrior warrior series as what exactly that means what exactly the law is or isn't all I'm going to say is be very very careful if you're going to be engaged in the loan modification mortgage forbearance and you're going to be in that sort of field helping people obtain modifications stop foreclosure sales you know you know get get reductions to their loan balance all these things foreclosure rescue Savior all that stuff all I can tell you is be very careful you've got the state bar out there lots of complaints following up on the complaint attorney general following up going on complaints you've got the FTC following up a complaint there's all this is a hotbed so you need to be very careful the one thing I can say for sure is if you do things on a contingency basis where you only get paid at the end then you should be fine right because you fully performed all the services you've contracted to perform an attorney is required to have a retainer agreement okay business and Professions Code 6148 if you don't have a retainer agreement that spells out the scope of your services you're asking for trouble okay if you're doing loan modifications with a vague and ambiguous contract that's not really defining what's going on business and Professions Code 6148 and the case law says ambiguities are construed against the attorney the drafter the person that could have clarified with the scope of the services is so if you're going to engage in loan modifications there's people breaking their concert there their services into pieces I'm not going to comment on that you do that at your own peril I would suggest you get an ethics opinion before you do it last I checked it was hard to get an ethics law firm to even give you an opinion because it's such a hot bed area who wants to be on the hook for that so you have to think about whether or not you really want to be in the business of helping people obtain modifications like I said the only ones we do there's no advance fee nothing up front we don't demand claim charge clec receive all these things that are prohibited by the statute in advance of fully performing all our services doesn't the way we have it the way i phrase it is if i don't get you a modification that you sign you put your John Hancock on you don't pay anything so that's real simple for people you know it's like.