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the lender has filed foreclosure and a "Mortgage Fraud Analyst" has said he can get a lawyer who will force the lender to grant a new loan at the appraised value, which is lower than the loan ammount, at a intrest rate of 2% to 4%. The lawyer wants money up front and monthly payment until case is closed, may be 2 years. Can I live in the house without paying the lender any money? If the lawyer is not suscessfull will I be held liable for court cost and/or intrest and penalties? Is this too good to be true? therefore is this a scam?