For Brian Tuttle, his home and surrounding property have a lot of history.
"I've pretty much lived here all my life since I was about 13," Tuttle said.
His dad initially owned the house, but eventually signed it over to Tuttle and his sister.
They tried to keep up with the payments, but Tuttle said they found it difficult to do and fell behind.
"I started getting foreclosure notices in the mail," Tuttle explained.
In jeopardy of losing the home, Tuttle and his sister searched the Internet and came across a website called TheJamesonGroup.org.
"They pretty much guarantee it right there on the webpage," Tuttle said. "They will be able to negotiate a settlement and get your interest rate reduced and all that."
The Jameson Group Corporation even offers a money-back guarantee on their site.
So, Tuttle and his sister agreed to send the company the required $2,400 to get the process started.
But once they did, Tuttle said the company really didn't do anything.
"In a perfect world, I would like to see them do what these people said they would do," Tuttle said.
3 On Your Side discovered that The Jameson Group has an "F" rating with the Better Business Bureau because the agency claims to have concerns with the industry in which the business operates.
It's a good point, because even the BBB states that it's illegal to collect fees in advance for modifying a loan, fees like that $2,400 Tuttle mailed.
3 On Your Side tried calling, faxing and emailing the company, but could never get a hold of anyone.
That's because Suite 260 that they list as their business address is actually mailbox 260 located in a mail facility we discovered just off of Sunset Boulevard in Los Angeles.
Tuttle said the company he was dealing with is probably no loan modification company at all and he's out $2,400.
"If it sounds too good to be true, it usually is," Tuttle told 3 On Your Side.
Remember, it is always illegal for a modification company to require you to pay them anything in advance. If they ask for money up front, walk away.