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Additionally, the Federal Trade Commission proposes a ban on nationwide charging upfront fees to loan modification companies. The question of whether or not this will also apply to attorneys remains to be answered. The idea behind the proposed ban is to eliminate unethical loans modification companies that provide no useful services. In essence, the ban is designed to eliminate "scammers" who scam innocent and desperate homeowners.

Recently, I was alerted to the reality that someone had taken a piece of mine and changed 'VA" wherever it appeared to their company's name. Then, they uploaded it as their Benefits webpage. This is absolutely unacceptable.

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During my search I discovered that ACN is a member of the DSA. Direct Selling Association is the acronym. The DSA reviews all home-based businesses and network marketing companies. The DSA will usually claim a company as legitimate if they do.