Mar 14: "Tim McFadden" from the "loan modification department" scam

Man's voice: "Hello, this is Tim McFadden. Calling from the loan modification department. At 1-800-378-3124. I am calling about your mortgage, as it looks like your file qualifies for a loan modification. And payment reduction. Uh this allows us to work together to reduce your loan payments and loan balance without having to refinance. Now if your payments are going up, you are falling behind, or you have been turned down for a refinance, then we can assist you in lowering your payments. And avoid possible foreclosure. Call us back at 1-800-378-3124."