{"id":16724,"date":"2009-03-10T17:29:09","date_gmt":"2009-03-10T21:29:09","guid":{"rendered":"https:\/\/www.ewmrealestate.com\/blog\/?p=16724"},"modified":"2015-04-08T17:24:14","modified_gmt":"2015-04-08T17:24:14","slug":"beware-of-foreclosure-rescue-scams-help-is-free","status":"publish","type":"post","link":"https:\/\/ewmrealestate.com\/blog\/beware-of-foreclosure-rescue-scams-help-is-free\/","title":{"rendered":"Beware of Foreclosure Rescue Scams – Help Is Free"},"content":{"rendered":"

On October 1, 2008,\u00a0a new law went into effect in Florida the “Foreclosure Rescue Act”<\/a>making it a crime to accept money upfront to help a homeowner modify their existing loan or other alternative to foreclosure.<\/p>\n

The foreclsoure resue consultant must provide a written agreement<\/strong> to the consumer and obtain the consumer’s signature before beginning any services.<\/p>\n

The legislation also requires\u00a0the rescue consultant include in the written agreement a specific notice of the homeowners’ right to cancel, including the procedure for canceling, and a disclosure that the consumer should contact his or her lender first before signing because the lender may be willing to negotiate a payment plan free of charge.<\/strong><\/p>\n

Beware of any person or organization that asks you to pay a fee in exchange for housing counseling services or modification of a delinquent loan. Do not pay anything upfront \u2013 walk away!<\/p>\n

Beware of anyone who says they can \u201csave\u201d your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.<\/p>\n

Never make your mortgage payments to anyone other than your mortgage company without their approval.<\/p>\n

There is never a fee<\/strong> to get assistance or information about Making\u00a0Home Affordable <\/a>from your lender or a HUD-approved housing counselor.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

On October 1, 2008,\u00a0a new law went into effect in Florida the “Foreclosure Rescue Act”making it a crime to accept money upfront to help a homeowner modify their existing loan or other alternative to foreclosure. The foreclsoure resue consultant must provide a written agreement to the consumer and obtain the consumer’s signature before beginning any<\/p>\n

Read More<\/a><\/p>\n","protected":false},"author":5437,"featured_media":130092,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_expiration-date-status":"","_expiration-date":0,"_expiration-date-type":"","_expiration-date-categories":[],"_expiration-date-options":[]},"categories":[12161],"tags":[],"yoast_head":"\nBeware of Foreclosure Rescue Scams - Help Is Free - BHHS EWM Realty<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ewmrealestate.com\/blog\/beware-of-foreclosure-rescue-scams-help-is-free\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Beware of Foreclosure Rescue Scams - Help Is Free - BHHS EWM Realty\" \/>\n<meta property=\"og:description\" content=\"On October 1, 2008,\u00a0a new law went into effect in Florida the “Foreclosure Rescue Act”making it a crime to accept money upfront to help a homeowner modify their existing loan or other alternative to foreclosure. The foreclsoure resue consultant must provide a written agreement to the consumer and obtain the consumer’s signature before beginning anyRead More\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ewmrealestate.com\/blog\/beware-of-foreclosure-rescue-scams-help-is-free\/\" \/>\n<meta property=\"og:site_name\" content=\"BHHS EWM Realty\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/EWMRealtyInternational\" \/>\n<meta property=\"article:published_time\" content=\"2009-03-10T21:29:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2015-04-08T17:24:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ewmrealestate.com\/blog\/wp-content\/uploads\/2019\/06\/BHHS-On-Solid-Background.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"376\" \/>\n\t<meta property=\"og:image:height\" content=\"376\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Debra Spadafora\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Debra Spadafora\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/beware-of-foreclosure-rescue-scams-help-is-free\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/beware-of-foreclosure-rescue-scams-help-is-free\/\"},\"author\":{\"name\":\"Debra Spadafora\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#\/schema\/person\/9980000bb662aff02a03bbf507c06833\"},\"headline\":\"Beware of Foreclosure Rescue Scams – Help Is Free\",\"datePublished\":\"2009-03-10T21:29:09+00:00\",\"dateModified\":\"2015-04-08T17:24:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/beware-of-foreclosure-rescue-scams-help-is-free\/\"},\"wordCount\":237,\"publisher\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#organization\"},\"articleSection\":[\"Foreclosures & Short Sales\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/beware-of-foreclosure-rescue-scams-help-is-free\/\",\"url\":\"https:\/\/ewmrealestate.com\/blog\/beware-of-foreclosure-rescue-scams-help-is-free\/\",\"name\":\"Beware of Foreclosure Rescue Scams - 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