Skip to main content

I talked to someone who promised I could stay in my home if I paid him or her to help me. Is that true?

Beware of anyone who promises you can stay in your home or who asks for a lot of money to help you. Scammers might promise guaranteed or immediate relief from foreclosure, and they might charge you very high fees for little or no services.

Mortgage relief companies may not collect any fees until they have provided you with a written offer from a lender or servicer that you decide is acceptable and a written document from the lender or servicer describing the key changes to the mortgage that would result if you accept the offer. The companies also must remind you of your right to reject the offer without any charge.

Tip: Use our checklist for more information on how to avoid foreclosure.

If you think you may have been a victim of a mortgage relief scam, you may also want to consult an attorney. If you need help finding an attorney, you can view this list of legal aid services in your state, or you can find lawyer referrals in your county and state by visiting the American Bar Association website .

Don’t get scammed. There is help available at little or no cost to you. Foreclosure prevention counseling is available free of charge through HUD's Housing Counseling Program. Call the CFPB at (855) 411-CFPB (2372) to be connected to a HUD-approved housing counseling agency today or to submit a complaint with us