The Federal Trade Commission (FTC), in addition to a ban on loan modification companies charging upfront fees, has proposed a nationwide ban. Whether or not that will also include attorneys is yet to be seen. The theory behind the proposed ban is in part to eliminate unethical loan modification companies who are providing no useful services. It is a way to get rid of those who are "scamming" innocent, desperate homeowners. Prepaid provides its customers with access to a number of professional...