One question I get a lot pertains to what is going on in the market at any given time. Recently I was contacted by Jillian who used ModificationProfessor to reduce her 2nd mortgage. In just two weeks she was able to negotiate down her $100,000 2nd mortgage to $6,500. That sounds amazing I agree. The reality is that 2nd lien positions have little leverage when it comes to foreclosures. Therefore they are willing to settle for much less.