"Firms offering mortgage modification services and imposing an upfront fee aren’t all that popular at the moment. Like the last time something was this popular, hmmm… I’ve got one… what about those people who sell organs to the highest bidder? No, you’re right… they were more popular than loan modification firms. How about crack dealers? Yeah, that feels about right. The good news is you still have a comfortable lead over Al Qaeda and child predators, so you dodged a bullet there, so to speak."

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