Timothy E. Lockhart - YOU HAVE OPTIONS: YOUR GUIDE TO AVOIDING FORECLOSURE

- Advertising online and in local publications. - Distributing flyers. • Contacting people whose homes appear in the foreclosure notices. (They can easily find these notices online or in a local newspaper.) • Targeting specific religious or ethnic groups

COMMON TACTICS OF FORECLOSURE SCAMMERS URE SCAMMERS

• Offering to serve as a go-between with your lender or to negotiate with your lender to refinance your home • Advising you that they can stop foreclosure by “helping” you file for bankruptcy • Encouraging you to sign fake foreclosure rescue or mortgage documents • Claiming that they can perform a forensic mortgage loan audit to help you hold on to your home • Offering you fake legal help

PROTECT YOURSELF FROM SCAMMERS M SCAMMERS

• Don’t send mortgage payments to any company that is not your loan servicer. • Don’t sign any documents without having them reviewed by a lawyer or independent expert. • Don’t stop making mortgage payments. • Remember that government help and advice is always free. • Don’t give anyone your personal information, Social Security Number, or bank information without confirming their identity and that they represent a legitimate company.