Dec 9: Recording of "urgent message" from "the loan modification center" scam

Woman's voice: "Hi. This is an urgent message from the loan modification center. If you are falling behind on your mortgage payment, facing foreclosure, have an adjustable rate that has increased or is about to increase, or your credit score is low, we can help you. Press one now to speak to one of our loan specialists. We specialize in what's called loan modification. In most cases, we can help get your interest rates and payments dramatically reduced. And if you're currently behind on payment, the balance of what you owe can be put on the back of your loan to give you a fresh start. Press one now to speak with one of our loan specialists. Loan modifications are much different than traditional financing. So if your value and credit scores are low, don't worry. If you would like to be removed from our call list, please press three now."