California: The State Bar Speaks Re: SB 94

Any person performing loan modifications is prohibited from charging or collecting an advance fee until they have performed "each and every service the person contracted to perform". "Each and every service" implies that unbundling loan modification services would not be an acceptable practice to avoid the application of Civil Code section 2944.7, but the opinion fails to clarify this issue. If lawyers were permitted to unbundle services and charge incrementally for the loan modification services, the language of the staute would not read "each and every service," but "each service." "Every service" means...