Answers about Mortgages  What are some warning signs of Mortgage
Modification Scams and Foreclosure Rescue Scams?  The following
might act as warning signs:    • "Pay us $1,000, and we'll save
your home." Some legitimate housing counselors may charge small
fees, but fees that amount to thousands of dollars are likely a
sign of potential fraud. Companies cannot collect fees until you
have a written, acceptable offer from your lender or servicer
and a written description of the key changes to your mortgage.
• "I guarantee I will save your home-trust me." Beware of
guarantees that a person or company can stop foreclosure and
allow you to remain in your house. Unrealistic promises are a
sign that the person making them will not consider your
particular circumstances and is unlikely to provide services
that will actually help you. Providers must give you realistic
evidence for any claims they make.   • "If your lender calls,
don't talk to him or her." Companies are legally barred from
telling you to stop communi