During the housing market crash, homeowners across the United States found themselves drowning in mortgage payments that they could not afford to make. Scammers like Jonathan Herbert took advantage of this crisis to steal money from unsuspecting homeowners. Herbert created Federal Mortgage Marketplace, a company that claimed to be government affiliated and able to help homeowners reduce their mortgage payments. Herbert preyed on homeowners whose desperation to avoid foreclosure made them particularly susceptible to the scam. Instead of providing any form of assistance as he promised, Herbert stole his clients' mortgage payments, resulting in hundreds of thousands of dollars lost, with some victims even losing their homes.