[Moe Bedard]

They can put anything on letterhead...................they know people in these situation are desperate...............so they prey on you.

do what you will............

but, what you really need to do is to come clean with your mom about what you have been going through, her credit is already shot as a result of the late payments, because if you get sucked in by one of these scams...............you are going to put her in a much worse position and do much more damage to her credit, then any short sale, deed in lieu, or foreclosure will.............