Attorney out in California are saying they can modify our Mortgage loan under one of Obamas new plans. They say the need to get the fee up front.

There are a lot of good attorneys in Florida that also do that, some charge that much, many of them don't, for residential property. Some collect up front, and some at closing.  I question whether a California can solicit business from Florida borrowers without violating unauthorized practice of law statutes in Florida (Florida Bar might be interested in jumping into that analysis!).  And since I am assuming they are not licensed to practice in Florida, they may also be violating a statute that prohibits collection of an advance fee for this sort of activity, unless you are an attorney. Many of the refinance and work out programs are handled with the lender directly, not by any third party.  From what I have seen, and we do these short sale filings and negotiations and try to get the communications flowing with the lender and borrower, other than explaining programs to borrowers, most of the lenders are familiar with these programs and offer them as one of the solutions. This is specific to Florida law and does not constitute legal advice as the facts presented are anonymous and incomplete. This is intended for general education only and does not create an attorney-client relationship. This should not be relied on and you must seek your own attorney client relationship.