Because I worked for several years at a legitimate debt management firm. We routinely had customers in foreclosure come in for help, but they had already paid their money to one of Bruce's copycats. By the time they realized there would be no help they had $3,000 less and were 3 or 4 mortgage payments behind, not 1. I and my coworkers had to watch several families a month become homeless because of those scams. And that was before the securities bubble burst. It was much worse after that.

When you have a mother and father of three children walk in the door terrified about what will happen to their kids if they lose the home and you take an amount of money that could have covered them moving into a cheaper apartment, and sit back and watch them lose their home, you are a fucking asshole, end of story. The owner of the company I worked for was one of the greediest people I know and HE didn't even try charging people fees when they were in such dire straits. We'd usually negotiate a vastly reduced fee, to be paid months or even a couple years down the road after they were on better footing, and even then we usually took a loss.

The very fact he was going after people who had foreclosure notice means he knew for a fact every victim coming in the door would be seriously harmed when nothing was done to help them. The people walking into his office were people about to lose their homes.