Foreclosure can be a terrifying thing to face alone, especially when you need advice. Many people are too proud, or too ashamed, to tell a close friend or family member about their situation. Often times, they trust unknown people who call them, mail to them, or even knock on their door.
How do you know whom you can trust? I always prefer to trust someone who tells me the WHOLE story, not just about his or her company. The person who can tell me about ALL of my options, when facing foreclosure.
The Miami Herald recently published a great article on foreclosure scams. You should always ask whomever you're working with for some references: find out if they've actually helped people in the past. It's a great (but not perfect) method of checking up on the legitimacy of a company.
Remember that it's okay to ask questions of the people offering services to you. I recommend asking them what downsides there are to the solution they're offering you. If they tell you their solution is perfect, I would be skeptical. No solution to a problem is without a few flaws, however minor they may be.
Good luck, and remember to check up on whomever you're doing business with.
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