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If your property mortgage is delinquent and you are facing foreclosure, you may be contacted by a person or company willing to take the property off your hands to save your credit. While some of these companies are actually good and do help, others are not.

Do not sign anything that you do not understand or that is blank. Go through a reputable escrow company to make sure that your mortgage(s) is paid off to the satisfaction of the lender(s). If you do not do this, you may find that the person or company has title to or owns your property, yet the mortgage is still in your name. The person or company pays nothing to the mortgage(s) holder. The foreclosure happens. Your credit is ruined while the company ìsavingî your credit has made money from your property by renting it until the foreclosure.

If you think youíve been a victim of this fraud, contact 602.258.1659 for information. You can also report a foreclosure scam to the Arizona Attorney General's Office by calling 602.542.5763 or visiting their website, Arizona Attorney General's Office, Foreclosure Resource Center.

• Equity skimming
• Phantom help
• The bailout
• The bait-and-switch
• Phony counseling agencies