Here are some examples of scams related to mortgage modification and foreclosure avoidance.

* Foreclosure “rescue” and refinance fraud. The scam artist offers to act as an intermediary between you and your lender to negotiate a repayment plan or loan modification and may even “guarantee” to save your home from foreclosure. You may be told to make mortgage payments to the scammer directly — along with significant, up-front fees — and be told that the scammer will forward the payments to your lender. In reality, the scammer may pocket your money and leave you in worse shape on your loan. The scam artist also may tell you to stop making payments or stop communicating with your lender. Don’t follow that advice. * If any firm claims they can stop your foreclosure immediately if you sign a document appointing them to act on your behalf, you may well be signing over the title to your property and becoming a renter in your own home! * Reporting con artists and suspicious schemes helps prevent others from becoming victims. If your complaint or question involves a national bank and you cannot resolve it directly with the bank, contact the OCC’s Customer Assistance Group by calling (800) 613-6743, by sending an e-mail to customer.assistance@occ.treas.gov, or by visiting www.HelpWithMyBank.gov. * The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Let's face it, you can't afford to retain a real estate attorney for foreclosure prevention. Use your money to pay the mortgage instead. Many real estate attorneys and loan modification companies will contact you promising to negotiate with your lender. While these may be legitimate businesses, they will charge you a hefty fee often two or three month's mortgage payment. Here's two secrets that real estate attorneys and loan modification companies don't want you to know.

Be Prepared
To Be Shocked!!

Secret #1 What most strugging homeowners don’t know is the loan modification companies use free government approved foreclosure prevention programs to help strugging homeowners avoid foreclosure. These government programs were designed for homeowners to deal with directly. However; the loan modification companies get you to sign a real estate power of attorney contrats to repersent you when all you have to do to avoid foreclosure is contact the right government housing agencies yourself and they will do all the work for you. TOTALLY FREE. Secret #2 When homeowners pay taxes some of the money goes to fund the federal government foreclosure prevention programs. So why pay for a serivce you already entitled to?

Update On A New Government Program

Making Home Affordable

The Obama administration kicked off a new free foreclosure prevention program called Making Home Affordable that's designed to help up to 9 million strugging homeowners stay in their homes through refinanced mortgages or loans that are modified to lower monthly payments. To take advantage of Obama's Making Home Affordable free program see inside the "Federal Home Mortgage Rescue Kit"

Why Don't Strugging Homeowners Know About Free Government Foreclosure Prevention Programs?

Simple...

The Government Doesn't Have An Outreach Program You
Have To Get In Contact With Them On Your Own.

Here's anonther problem, with the Federal Government being so big, with over 5000 different programs available and different contact people, for a strugging homeowners trying to find the right government programs can become overwhelming and almost impossible to find.

Get The Complete List Of Government Agencies That
Can Help Prevent Or Eliminate Foreclosure

Our research department carefully read the entrial 1,700 page Obama Stimulus Bill, and after months of research, we put togerther the complete list of all the free state and local Federal Government Foreclosure prevention programs and all the nonprofit housing agencies working in partnership with the federal government. We took this information and formed it into a simple step-by-step instructions on how to get the federal housing counselors to represent you in negotiations with your lender. We made it so simple to follow even a 10 year old can do it, we call this directory "The Federal Home Mortgage Rescue Kit"

The Federal Home Mortgage Rescue Kit Is Not
Information Based, It's ACTION Based

Follow These Steps:

Step 1: Before you contact a government housing counselor to discuss avoiding foreclosure or to help modify your mortgage to lower your monthly payments. The Federal Home Mortgage Rescue Kit™ will prepared you with a list of documents you need to have on hand and arm you with facts you should know. This is the most important step because it allow your counselor to start work on your case IMMEDIATELY. Step 2: If you pay your mortgages on time but are not able to refinance to take advantage of today’s lower mortgage rates perhaps due to a decrease in the value of your home. Contact this government agency. Step 3: If you have been laid off or are facing unemployment and you need the federal government to modify your mortgage to lower your monthly payments. Contact this list of government agencies. Step 4: If you are in foreclosure NOW you need urgent help. Contact this government agency.

Just Follow The Steps - No Guesswork

WARNING do not change anything other than what is instructed inside the kit. Just remember to follow the steps inside the kit EXACTLY!

Plus...

Here's Three Benefits You Get For Working With
Government Approved Housing Counselors

(1)* Your counselor can file for your mortgage insurance (MPI) refund. MIP refunds are due to homeowneres in all 50 States as high as $12,000. (2) * If you deal with a Federal Government approved housing counselors they can also help get rid of your credit cards debt fast. (3) * If your housing counselor cannot save your home from foreclosure he/she will be able to get you FREE money to put you and your family in a apartment.

Who Qualify For Free Government
Foreclosure Prevention Programs?

If you meet ONE of the following:

* If You Are Unemploy * Adjustable Rate Loan * Interest rate above 6.9% * Unaffordable Payments * Victim of Predatory Loan	* Current or Pending Foreclosure * Facing Unemployment * Catch Up on Payments * Delinquent payments * Negative Equity

But wait!

There's More...

Produce The Note

The Guaranteed Way To Stop Foreclosure
Dead In It's Treck

If you tried to work with your lender and your lender has already filed suit to foreclose on your home. Using “Produce The Note” strategy is something all homeowners facing foreclosure should use.

Here Why...

During the lending boom, most mortgages were flipped and sold to another lender or servicer or sliced up and sold to investors as securitized packages on Wall Street. In many cases the note ("NOTE," is the ORIGINAL documents of your LOAN) is sitting in a warehouse somewhere and nobody knows or cares where it is. This is the key to the produce the note strategy.

Produce The Note Strategy Is So
Powerful It's Downright Scary.

UNFORTUNATELY THIS KIND
OF KNOWLEDGE CORRUPTS

Many homeowners facing foreclose use "Produce The Note" strategy to get their home for free. We do not encovrage homeowners to miss use "produce the note" strategy in this way. Our primary goal for revealing this information is to only delay the foreclosure and put pressure on the lender to modify the mortgage to a make it more affordable.If you believe you’ve been treated unfairly, by your lender fight back by using the

"Produce The Note Strategy"

Here's Proof “Produce The Note” Strategy Works:
In October 2007, Ohio Federal Court Judge Christopher Boyko dismissed 14 foreclosure cases brought by investors, ruling they failed to prove they owned the properties they were trying to seize.Click here to see proof

Inside The Federal Home Mortgage Rescue Kit™ you will receive clear, step-by-step instructions on the "Produce The Note" process, also included:

* Templates for the legal document request * Letter to your lender * A motion to compel to help you through the process

If you can find a real estate attorney that know how to use “Produce The Note” strategy you can expect to pay $5000 or more for the service. For a limited time only, “Produce The Note” strategy will be giving away inside the "Federal Home Mortgage Rescue Kit" absolutely FREE!

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The Federal Home Mortgage Rescue Kit™ is comprehensive and updated for 2009. Plus, if you want some personal assistance, we'd be glad to put you in touch with one of our available foreclosure prevention coaches on staff TOTALLY FREE.

The Federal Home Mortgage Rescue Kit™
Sells For Only $97.00

You Have Arrived Just In Time To Take
Advantage Of Our Half Off Promotion

So What Do I Need To Do To Get The Federal Home
Mortgage Rescue Kit™ Half Off?

Here's the deal: Be one of the first 500 to buy the Federal Home Mortgage Rescue Kit™ and you will only pay $47.00 plus shipping & handling fees SAVE BIG NOW!

Our Guarantee Once you've have contacted and work with one of the federal government foreclosure prevention programs or the nonprofit housing agencies in our database and see the kind of FREE foreclosure prevention help you will get, and after your 30 days if you are not 100% satisfied just let us know within 30 days and we will refund your money back less shipping & handling fees plus we will pay UPS to have your package picked up at NO COST TO YOU. No questions asked, No hassles, No hard feelings.

Our half Off Promotion will remain up until all 500 kits has have been shipped. When it's filled, we will pull it - and will no longer offer the half Off Promotion.

Please Check To See How Many 50%
Discount Kits Are Available Click here

Claim Your Federal Home Mortgage Rescue Kit™
While It's Still At Half Off...

Time is of the essence, take action BEFORE you end up on the street. DON'T WAIT ANOTHER SECOND!! The time to act is now! Not tomorrow... Not someday... But right here, RIGHT NOW!

Once you receive your Federal Home Mortgage Rescue Kit™ , you're going to look back at this decision as the BEST one you've ever made! You're going to feel FANTASTIC once you take full advantage of the opportunities your government have to offer.

Imagine... Being able go to sleep without the fear and anxiety of worrying about lossing your home to foreclosure.

Get Peace Of Mind
By Ordering Today

Click Here To Order

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If you have any questions about our Federal Home Mortgage Rescue Kit™ send email to H.T.L. or call us at: 661-717-8272 Our Business Hours are: Mon-Fri 9am-5pm Pacific time zone.

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Disclaimer: The information provided on this site is not legal advice, but general information on government agencies that helps home owners avoid foreclosures. HTL Services is in no way affiliated with, endorsed or sponsored by any federal or state governmental entity. HTL Services is not a law firm and is not a substitute for a real estate attorney or law firm. HTL Services cannot provide legal advice and can only provide self-help services. HTL Services. All rights reserved.