Millions of Americans fighting foreclosure are signing up for programs promising to help modify their loans. But a group of homeowners in the Bay Area say they paid thousands of dollars and got nothing in return. They are now part of a growing lawsuit.If you think you’ve been the victim of a loan modification scam, go to www.preventloanscams.org to register your complaint and get help recovering your money. Or call the Law Foundation of Silicon Valley at 408 280 2470.