The New York Times has an interesting article on rescue scammers. These rescue scammers are popping out everywhere mostly run by former loan officers, or mortgage brokers. In Nevada, most of these scammers originally belonged to California. If someone gives you an 800–just distrust them. You would be pressured with a high pitched sales person vying to get your business and your credit card number. They are blatantly and openly violating these laws. These are the companies that are practicing law without a license (a misdemeanor or felony in the state of Nevada). They are violating RESPA Section 8 by creating affiliate programs for kickbacks. Many of them do nothing to help the homeowenrs other than taking their money. Here is the article: “Swindlers Find Growing Market in Foreclosures.” Only a local licensed attorney and that too a Nevada licensed attorney can legally handle a loan modification along with legal violations both under RESPA, TILA, HOEPA and Nevada deceptive trade practice.