16 CFR Parts 317 and 318: Mortgage Assistance Relief Services Rulemaking
It is my view that ALL entities that offer ANY form of counseling to Mortage holders should be trained and approved/certified by HUD. The fact that the entity is a law firm or other professional body should be irrelevant. The owning of a house should be an earned entitlement not an automatic entitlement. The fraudulant manipulation of incomes and expenditures to obtain a mortgage should be illegal.