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Stop Mortgage Fraud

5 Tips to Avoid Being Scammed

  1. Don't pay up-front fees. Foreclosure consultants are prohibited by law from collecting money before services are performed.
  2. Don't ignore letters from your lender or loan servicer. Responding to those letters is your best bet for saving your house.
  3. Don't transfer title or sell your house to a "foreclosure rescuer." Beware! This is a scam to convince homeowners they can stay in the home as renters and buy their home back later. It might also be part of a fraudulent bankruptcy filing. Either way, a scammer can then evict the victim and take the home.
  4. Don't pay your mortgage payments to anyone other than your lender or loan servicer. Mortgage consultants often keep the money for themselves.
  5. Never sign any documents without reading them first. Many homeowners think that they are signing documents for a loan modification or for a new loan to pay off the mortgage they are behind on. Later, they discover that they actually transferred ownership of their home to someone who is now trying to evict them.

Where Do I Report Fraud or File a Complaint?

File a complaint with the California Attorney General's Office.

File a complaint with the Federal Trade Commission.

If your complaint is against a real estate broker, visit the Bureau of Real Estate website.

If your complaint is against an attorney, visit the State Bar of California website.

You may also wish to consider filing a Small Claims Court action. These are informal courts where disputes are resolved quickly and inexpensively by a judge. You can recover up to $10,000 in Small Claims Court. You represent yourself and can request a judgment for monetary damages. Visit the California Courts Self-Help Center for further information.

Is Your Foreclosure Consultant Registered?

Protecting Consumers

State & Federal Laws

You can search California laws on the Internet

California Law

View a checklist of significant California consumer laws

CA Dept of Consumer Affairs

Search U.S. laws on the Internet at U.S. Code

U.S. Code

Stop Mortgage Fraud

Are You a Victim of a Real Estate Scam?

For Foreclosure Consultants

Register with the Department of Justice

Megan's Law

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