Dear FTC, We tried to get a loan modification on our own, but we didn't set up our monthly income and expense worksheet correctly. We were headed down the path towards bankruptcy, and we responded to a mailer. We paid an upfront fee to Lucas Law Firm, and we were not happy that it took so long, but when we received our modification, we saved our home, and we had peace of mind. It angers me when someone says to go to a non-profit or to the servicer, and paying an upfront fee is wrong. When i do my taxes, i pay a fee. When i go to court, i get a lawyer and when i sell my house, i pay an agent. All these people represent me. IF the government would just make it so the bad guys who don't refund were outlawed, and give a stamp of approval to the firm we used, I think that would be a good idea. If you haven't tried to get a loan modification with a servicer on your own, then you don't know how unreasonable they are. I think all i read about is the bad experiences, so i wanted to let you know about how a loan mod company saved our family, and yes, we paid them upfront which most people say not to do.