Nice article. I would think that “desperate times call for desperate actions” might be applicable here. Most consumers are not capable of working out their own loan modification and the lenders are not staffed to work it out on their own. I think for the next two or more years, this is a service that will assist the market. I know when I am trying to handle a short sale prospect, when they tell me they still want to keep the home, I have nothing that I can do for them. That is where they need this type of specialist, at least from where I see it.