Yes, it's a scam. An "advance fee" scam. You send them your money for a loan modification, and then they give you nothing at all.
Representatives.
There are several ways that one can elect a leader of a group. These ways include doing an anonymous vote for everyone in the group, having someone volunteer, or choosing the leader at random.
Electoral College
We the people.
The College of Cardinals
Peer groups have a strong influence on a person's opinions because individuals within the group often share similar values, beliefs, and behaviors, leading to a natural conformity to fit in. Additionally, social comparison and the desire for acceptance can pressure individuals to align their opinions with those of their peers. Finally, ongoing interactions and discussions within the peer group can shape and reinforce individuals' opinions over time.
Yes, influences from friends, family, the media, and group identities all play a role in shaping attitudes and opinions. These influences can affect beliefs, values, and perspectives on various issues by providing different viewpoints and sources of information. It's important to critically evaluate these influences to ensure a well-rounded and informed perspective.
A peer group has a strong influence on members' opinions because they have developed a special trust.
A range of opinion
An electoral body is an organization or group responsible for overseeing and administering elections within a specific region or country. Its primary function is to ensure that elections are conducted fairly, freely, and accurately, and to uphold the integrity of the electoral process.
Multiple members of the group contribute their opinions and ideas to the topic of discussion.
Peer groups have a strong influence on a person's opinions because individuals seek validation and acceptance from their peers. People are often more likely to conform to the beliefs and values of their peer group in order to maintain social relationships and a sense of belonging. Additionally, peer groups can provide a different perspective or new information that may influence how a person forms their opinions.