Most people rely on someone they already know when they are in a crisis. Friends, neighbors, fellow church members, and many others may want to help you, but are not trained in the areas of mortgage delinquency and default resolution, loss mitigation, and/or predatory lending. Only seek help from a HUD-Certified counseling agency specialized in your area of concern.

HUD’s approval demonstrates that the agency meets certain industry standards and federal guidelines. HUD’s certification in Mortgage Delinquency and Default Resolution Counseling is an important consumer safeguard to avoid what may otherwise be a fraudulent organization promising help they can’t deliver or even scamming you. Foreclosure scams include stealing the title to your home and charging you thousands of dollars for fake services or services you can get for free.

Detailed information about the United States Department of Housing and Urban Development (HUD) Certified Counseling program and the counselors’ expertise requirements can be found on the program's website.

Toda información disponible en español 510-412-9290 extensión 29.

Foreclosure scams include stealing the title to your home and charging you thousands of dollars for fake services or services you can get for free. You should never sign documents that you have not read or do not fully understand. Contact HEPA through its lead agency Community Housing Development Corp. or call them at 510-412-9290 ext 24 (English / ingles) or extension 29 (Spanish / español).

Tips to Avoiding Foreclosure Rescue Scams
Easy-to-read advisory that describes what to look for, how to protect yourself, and what to do.
Easy-to-understand guidance to foreclosure rescue scams, loan fraud and predatory loans. You can also file claims for loan fraud and other unfair housing related practices here.
List of tips and resources to help consumers avoid becoming victimized by foreclosure scams, locate a reputable housing counselor, and report suspicious activity.

Consumer information on predatory lending