Green Credit & Me

``In my mind, the advance fee agreement was always a manifestly stupid response by a state regulatory agency who clearly hadn’t the foggiest idea what was going on as related to loan modifications, nor any idea what to do about regulating the emerging industry in order to protect consumers from unscrupulous operators. I mean, either you’re a scam or you aren’t. If you are, then you shouldn’t be allowed to steal only some money… you should be closed down. And if you’re not a scam, then the government has no business regulating how a company is allowed to charge for its services.''