www.helpUmodify.org is a not for profit consumer advocacy project helping distressed homeowners avoid the lures of empty promises and predatory tactics of sub-prime modification outfits trying to collect upfront fees for promises of results. This is the first in a 3 part series that explains the loan modification process from application to acceptance. The purpose of this Complete Guide to the Loan Modification Process is to educate and empower home owners to better understand the process …