Deborah McColloch, Director: 1234 Market St., 17th Floor, Philadelphia, PA 19107
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Avoid Foreclosure Scams!

Call the City of Philadelphia’s SaveYourHomePhilly hotline at 215-334-HOME (4663) if a company or person tries any of the following.

  • STOP if a company or person charges an up-front fee to work with your lender and modify, refinance or reinstate your mortgage.
    Most legitimate foreclosure prevention programs are free.
    If someone is charging you for their help, do not pay before a service has been provided.

  • STOP if a company or person wants you to sign papers you haven’t read or don’t understand.
    Housing counselors from legitimate foreclosure prevention programs would never ask you to sign something unless you read and understand the document.

  • STOP if a company or person pressures you to sign over the deed to your home or offers you a rent-to-own plan on your property.
    Transferring your deed to someone else means you are no longer the homeowner and that the new owner can evict you.

  • STOP if a company or person offers quick results or guarantees to stop foreclosure.
    Don’t believe anyone who guarantees that they can save your home for a certain price or within a set time-frame. Legitimate housing counselors only tell you that they will do their best. Sometimes a foreclosure can not be stopped.

  • STOP if a company or person advises you to stop paying your mortgage company and pay them instead.
    Your mortgage payment should always go to your mortgage company.
    If you are late with your mortgage payment or unsure of where to send your payment, call your lender.
    Do not send your money to anyone else.

  • STOP if a company or person claims to be “government approved” or offers “official government” loan modifications.
    There is only one true government-authorized foreclosure prevention program in Philadelphia.
    Call 215-334-HOME (4663).

  • STOP if a company or person offers financial assistance that you have not asked for.
    If someone offers you financial help by striking up a conversation in public, calling you on the phone or coming to your house, stop! Research the company to be sure that this is not a scam. Consider contacting the Attorney General’s office or Better Business Bureau.

  • STOP if a company or person insists on getting paid in a specific way.
    Very few legitimate businesses will only be paid in cash, wire transfers, cashier’s checks or in-person.
    Never make a payment without a receipt and remember that most legitimate foreclosure prevention programs are free.

What To Do Now!
Call the SaveYourHomePhilly hotline at 215-334-HOME (4663). This hotline is part of the City of Philadelphia’s Residential Mortgage Foreclosure Prevention Program. All housing counseling and legal representation provided through this program is FREE.


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