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Step 4Your planAlternatives

Scam shield

Check an offer against the red flags the law names, and see where to report it.

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Scam shield

Red-flag checker

Answer yes or no about someone who offered to help with your foreclosure.

  1. 1.Did they ask for money before you have a signed agreement from your servicer?
  2. 2.Did they tell you not to talk to your servicer or lender?
  3. 3.Did they ask you to sign over your deed or add them to the title?
  4. 4.Did they tell you to make your mortgage payments to them instead of the servicer?
  5. 5.Did they promise a result — to stop the sale for sure, or get a modification with certainty?
  6. 6.Did they claim to be from the government, HUD, or your lender, or use an official-looking seal?
  7. 7.Did they ask for a power of attorney?
  8. 8.After a notice of sale was filed, did they sign you up without the written Texas notice about your right to cancel?
  9. 9.Are they rushing you to sign today or not letting you read papers first?
  10. 10.After a sale, did someone offer to recover your “surplus funds” for a percentage?
  11. 11.Did they contact you first after seeing your notice of sale?

Education and preparation only — not legal advice, and no one can promise a result. Only your servicer or the loan’s owner decides eligibility. Free legal aid and HUD-approved housing counselors can review your situation.