Paying for help?

If you are struggling to pay your mortgage, you may want a loan modification. Should you pay for help? Probably not. Many homeowners paid companies for help BEFORE their lender approved a modification. That can be illegal. Most were scammed. See other do's and don'ts so you can avoid getting scammed.

Real Scam Stories

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Many homeowners have turned to loan modification or foreclosure "rescue" companies for help - only to get scammed. How did companies attract them? Learn from past victims, so you don't have to be.

Most Common Scams

Loan modifications scams are changing every day. Read descriptions of some of the most common scams to avoid.

Trusted Authorities

There are many resources available to you for information on foreclosure counseling and loan modification scams.

Loan Modification?

Get real help, free of charge, from HUD-approved counseling agencies.