By Jacob Murad ( October 27, 2025, 11:36 AM EDT) -- Bob and Mary are running short on cash to live their life and pay their mortgage. They are introduced to a private lender who offers to lend $100,000 against their house as a second mortgage at a high interest rate, but he wants the money back in two years. He offers to take care of all the documents for them; they just need to get a lawyer to sign off on a certificate of independent legal advice and the lender will take care of the rest. Bob and Mary find Corey, a lawyer, who explains what the documents say, signs off on the certificate and charges $400 for the quick work....