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Its really important for homeowners to be sure they are getting reliable help from a counselor who is knowledgeable about loan modifications. the government provide this is for free. call 888-995-hope to speak to a hud-approved counselor. if you think you have been a victim of a scam, file a complaint with the federal trade commission by calling 877-ftc-help. of course, any questions, send them to us at cnnhelpdesk@cnn.com. >> if you watch television you see the ads for companies helping you and...