Have you heard about HP Inc.or Heaven Program, located in San Bruno Ca.? This company is asking $850.00 a mos. so they will stop foreclosure of your home. Homeowners have been paying this amount monthly, but their houses are getting, foreclosed. Also this company claims that they can negotiate with the Mortgage Lenders to bring down the loan to 25% of the total loan amount. Upront fee is $9,500.00. It has been 2 yrs. since, but not a single loan has been reduced. Now they are asking CASH to pay for the upfront fee. Another SCAM.