COMPANIES TAKE ADVANTAGE OF DESPERATE HOMEOWNERS WITH PROMISES OF FORECLOSURE RESCUE/ESTAFADORES OPORTUNISTAS
April 11, 2009
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Bank default records are public, it’s easy for scammers to find homeowners in trouble, then approach them via mail, phone or e-mail, promising assistance.
A recentCalifornia case is a clasic of one. A couple paid more than $6,000.00 to a company, that contacted them by flier, promising to help them renegotiate their Mortgage.
Eventually they learned tha the company had taken their money and done absolutely nothing!
Another version of this scheme, the scammer offers “private financing” for a Loan or new mortgage. “As collateral” for this money, He requires the homeowner to deed the property to him”, says Jenny Brawley, a mortgage fraud investigations manager for the Federal Home Loan Mortgage Corporation. (FHLMC= Freddie Mac) then the scammer assures the homeowners she can stay in her house as a renter. Instead, he used the deed to obtain a new loan- which he pockets and doesn’t pay off. The bank moves in to claim the house, and the fleeced homeowner loses her home and all her equity.
Although no one has exact figures, the problem is so common, last year lawmakers in Oregon passed a bill requiring foreclosure consultants to make all fine print clear.
FIGHTING BACK
If you’re behind on your mortgage, don’t avoid youe lender- in fact, contact the lender to see if you can work something out, advises Brawley. “Be suspicious of anyone who offers unsolicited help . Don’t sign documents under pressure or with out clearly understanding them. Never sign a document with spaces left blank . And be wary of any requirement that you must deed your home as collateral”.
TURN’EM IN
If you’re victim of a foreclosure scam, report it by calling Freddie Mac’s Mortgage fraud Hotline at 800-437-2388. Also contact your State Attorney general’s office
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The Golden Team
Graciella valle
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Los “profesionales” del rescate de foreclosure que actuan fraudulentamente usan verdades a medias y mentiras, prometiendo algo que nunca llega. Algunas compañías incluso le ofrecen la devolucion de su dinero, cosa que tampoco cumplen, usan frases como “Stop foreclosure” “Le garantizamos detener su ejecucion hipotecaria” “somo expertos” somos los numero uno en todo California” etc, etc, cualquier propaganda amarillista para atrae su atencion, cuando llega usted a sus ocidinas, lo atiende un hombre muy trajeado y elegante, la habla bonito al oido y le dice que el es muy “experto” Los estafadores oportunistas le piden dinero adelantado, y thasta tienen el nervio de garantizarla la modificacion de su prestamo, cosa que no es verdad, porque en esta vida nada es garantizado, ni la vida misma, tenga mucho cuidado con lo que firma, si ha sido victima de estas personas, reportelos!!! aqui le dejo un numero al que se puede comunicar.
800-437-2388
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