Don't fall for scams: Real mortgage counseling will help secure loan modification for free

The foreclosure crisis is bad enough, but in southern New Jersey and elsewhere it is being worsened by illegal and unscrupulous operators scamming distressed homeowners, government-approved counselors say.With advertised promises of quick and easy mortgage modifications that would let people keep their homes, these mainly out-of-state operators are getting high up-front fees from those who can