California has been one of the hardest hit States for Foreclosures, and this means more people are looking for help to save their homes.  Because of this there are a lot of Scam Artists that are trying to make a quick buck.

Beware of anyone that wants you to pay them “upfront” for any type of Loan Modification.
The current economic situation in the Country has caused many people to lose their jobs, and without jobs people can’t pay for their homes.
Lenders, and Lawmakers have finally figured out that it is cheaper to help you keep your home than for you to lose it.
In California the law says that a house that goes into Foreclosure starts with the filing of a Notice of Default. This is filed with the County Clerk, and from that day you have 90 days plus 21 to redeem you home.  It is best to call your Lender, or an Attorney to try to work something out.  However the Government has FREE or very low cost Counseling Agencies that can help you understand your rights, and help you with negotiations.

To get a list of HUD approved Home Counseling Agencies that are near you

call 1-800-569-4287.

The main thing is not to avoid the call, no matter what your situation is.  The longer you wait, the harder it will be to save your house…..so call now, either to the Lender, Attorney, or to the HUD approved Agency near you.  And above all DO NOT pay anyone in advance that says they can help you.