Have you been getting phone calls or solicitation letters from companies saying they can help you renegotiate your mortgage or modify your existing loans? You're not alone. The Federal Trade Commission announced a crackdown on several of these predators last week.

We got one we're looking at now which claims to be a member of the "Online Business Bureau," not to be confused with the Better Business Bureau, which gives the Online Business Bureau an F rating.

Does anyone have any experience with the Online Business Bureau? Let us know.