The Forensic Audit — In the forensic audit scam, a mortgage loan “auditor” contacts the distressed homeowner with an offer to have an “attorney” review mortgage loan documents to determine if the real estate agent and mortgage company followed the law when originating the transaction. In exchange for an advance fee of several hundred dollars, these companies claim that a homeowner can use their audit findings to stop foreclosure, speed loan modification, reduce mortgage debt or — in some cases — cancel the loan entirely. In the majority of cases, there is no evidence that a forensic loan audit will accomplish any of these things.