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American Loan Modification Authority Loan Modification Kit USE EXTREME CAUTION! Contacting your lender about a Loan Modification before you understand the process could freeze your mortgage forever! YOUR LENDER IS A DEBT COLLECTOR-THEY HAVE ONLY THEIR best interest in mind. LEARN HOW TO PRESENT YOUR LOAN MODIFICATION to the Bank so they will APPROVE your request the first time. If you can't afford your mortgage payment. If you owe more than the value of your house. If you are behind
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