{"id":369128,"date":"2016-04-04T10:47:15","date_gmt":"2016-04-04T15:47:15","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/realestate\/foreclosure\/foreclosure-scams.html"},"modified":"2024-06-02T02:14:08","modified_gmt":"2024-06-02T07:14:08","slug":"foreclosure-scams","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-scams.html","title":{"rendered":"Foreclosure Scams"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Foreclosure Scams<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/robert-rafii-esq\/\">Robert Rafii, Esq.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/robert-rafii-esq\/\">Robert Rafii, Esq.<\/a>\n                | Last updated\n        <time>\n                            June 02, 2024\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>The thought of losing your home can be devastating. Unfortunately, some scam artists use the fear of foreclosure to prey on unsuspecting or uninformed homeowners. Often, these criminals will convince you to give them your mortgage payments and make empty promises to help you get out of debt.<\/p>\r\n<p>Some scam artists offer so-called &quot;money-back guarantees&quot; to save your home from foreclosure. Others promise help from experienced real estate attorneys. The scam artists then pocket the money and do nothing to help your mortgage.<\/p>\r\n<h2>Why Scammers Target Foreclosure Cases<\/h2>\r\n<p>It&#8217;s easy for a con artist to go after homeowners facing foreclosure. When you&#8217;re about to lose your home, you&#8217;re already feeling vulnerable. The stress and distraction of foreclosure can open you up to all kinds of targets. Scammers know that borrowers who are late on their mortgage payments might be desperate. They&#8217;ll use every trick in the book to make you think they&#8217;ll come to your rescue.<\/p>\r\n<p>Common ways that scammers might approach foreclosure victims include:<\/p>\r\n<ul>\r\n<li><b>Fake Sales:<\/b>&nbsp;A con artist might offer to send you a wire transfer in exchange for a quick handover of the deed to your home. They might ask you to pay them upfront fees to expedite the process. When all is said and done, it turns out to be a bait-and-switch operation. Since they know you&#8217;re at risk of foreclosure, swindlers either lowball you or fail to pay altogether. This type of scam could involve falsification of loan documents and the sale of your property way below market value.<\/li>\r\n<li><b>Identity Theft:<\/b>&nbsp;A thief can get your personal information, such as your Social Security number. They might create a fake deed using your signature and other private data. Using the fake deed, they can dupe another buyer into paying them for your home. Buyers might think they&#8217;re getting a good deal on a foreclosed home. But in the end, the scammer walks away with the money while the actual owner and the duped buyer are left to fight with each other.<\/li>\r\n<li><b>Fake Legal Services:&nbsp;<\/b>Some foreclosure scammers will pretend to find loopholes to fault your mortgage company. They&#8217;ll either commit mortgage fraud to falsify records, or they&#8217;ll lie about your mortgage servicer&#8217;s legal rights. They might promise their lawyers can sue your mortgage loan service provider to stop foreclosure. Financial institutions do make mistakes, and technicalities like a defect in a foreclosure notice could play to your advantage. But scammers will exaggerate just how often this can happen, so don&#8217;t be fooled.<\/li>\r\n<li><b>Solicitations for Loan Modification or Refinance Opportunities:<\/b>&nbsp;Scammers pretend to be foreclosure consultants. They promise they can delay or completely effectuate foreclosure prevention by redoing or refinancing your loan. But they&#8217;ll offer absurdly low interest rates or low payment plans that are too good to be true.<\/li>\r\n<\/ul>\r\n<h2>Scammer Intimidation Tactics<\/h2>\r\n<p>The intimidation of facing foreclosure can increase your vulnerability. Look out for warning signs and red flags when someone is too aggressive. Based on the list above, a foreclosure scammer could pretend to be:<\/p>\r\n<ul>\r\n<li>A buyer<\/li>\r\n<li>An intermediary<\/li>\r\n<li>A consultant or legal service<\/li>\r\n<li>A broker or mortgage servicer<\/li>\r\n<\/ul>\r\n<p>When the scammer confronts in any of the above capacities, they might be aggressive. If they threaten you over the phone, they&#8217;re likely not who they claim to be. Federal laws require most legal aspects of foreclosure and sales to be done in writing. If someone pretending to be an authority figure calls you and threatens you with jail time and fines, don&#8217;t be fooled.<\/p>\r\n<p>Similarly, if they keep warning that you&#8217;ll be left homeless and broke, think twice. A bank or mortgage representative will usually sound much more professional than that. Also, mortgage lenders and servicers can change over time. So, double-check if you&#8217;re talking to the right person.<\/p>\r\n<p>If someone calls you or knocks on your door, ask for identification. Ask for legal documentation and compare it to the paperwork you signed when you first got your loan. Go online and see if they have a profile with popular rating platforms like the Better Business Bureau.<\/p>\r\n<h2>How To Get Legal Help<\/h2>\r\n<p>If you&#8217;ve been a victim of a foreclosure scam, don&#8217;t lose hope. Not every fraudulent transaction is set in stone. Some may be reversible. Even if the damage is done, a professional can help you minimize future harm and limit your suffering. In short, you can get legal help if a scam messed up your home or financial situation. You can start by looking at government resources, including:<\/p>\r\n<ul>\r\n<li>The&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/credit-banking-finance\/what-is-the-consumer-financial-protection-bureau-.html\">Consumer Financial Protection Bureau<\/a><\/li>\r\n<li>The&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/landlord-tenant-law\/hud-information-by-state.html\">U.S. Department of Housing and Urban Development (HUD)<\/a><\/li>\r\n<li>The&nbsp;<a href=\"https:\/\/dictionary.findlaw.com\/definition\/federal-trade-commission-ftc-.html\" target=\"_blank\" rel=\"noopener\">Federal Trade Commission (FTC)<\/a><\/li>\r\n<li>Your State&#8217;s Attorney General or Financial Regulatory Agency<\/li>\r\n<\/ul>\r\n<p>Ultimately, you might benefit from consulting with a&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/foreclosure-alternatives\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">foreclosure attorney<\/a>. They can give you legal advice about your rights and help you explore protective options.<\/p>\r\n<h2>Learn More About Foreclosure Scams<\/h2>\r\n<p>The following articles are intended to help protect you from becoming a victim of foreclosure scams.<\/p>\r\n<ul>\r\n<li><b><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/avoiding-foreclosure.html\">Avoiding Foreclosure<\/a>:<\/b> Legitimate options to stop foreclosure.<\/li>\r\n<li><b><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/watch-out-for-foreclosure-scams.html\">Watch Out for Foreclosure Scams<\/a>: <\/b>Solutions that sound too good to be true are often just that. This article explains how to spot common mortgage and foreclosure scams, like equity skimming, balloon payments, phoning counseling agencies, and more.<\/li>\r\n<li><b><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/protect-your-home-from-foreclosure-rescue-scam-artists.html\">Protect Yourself From Foreclosure Rescue Scams<\/a>:<\/b> Foreclosure rescue scammers are people who purport to help overwhelmed homeowners but are actually only looking to make a profit. Learn how to spot and avoid foreclosure rescue scammers in this article.<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/bankruptcy-foreclosure-scams.html\"><b>Bankruptcy Foreclosure Scams:<\/b>&nbsp;<\/a>A bankruptcy filing will often stop a home foreclosure, but only temporarily. Some scam artists file bankruptcy in your name with the promise that it will solve your financial problems. Learn about bankruptcy scams.<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/10-tips-to-avoid-foreclosure.html\"><b>10 Tips to Avoid Foreclosure:&nbsp;<\/b><\/a>A list of 10 tips to help you avoid foreclosure. Learn what you can do to keep your home, including contacting your lender with any issues, working with a housing counselor, knowing your mortgage rights, and more.<\/li>\r\n<li><b><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/protect-your-home-from-foreclosure-rescue-scam-artists.html\">Protect Your Home From Foreclosure Rescue Scam Artists<\/a>:<\/b> Learn how to spot and avoid foreclosure scam artists.<\/li>\r\n<\/ul>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path id=\"Vector\"\n                              d=\"M6 21H3C2.46957 21 1.96086 20.7893 1.58579 20.4142C1.21071 20.0391 1 19.5304 1 19V12C1 11.4696 1.21071 10.9609 1.58579 10.5858C1.96086 10.2107 2.46957 10 3 10H6M13 8V4C13 3.20435 12.6839 2.44129 12.1213 1.87868C11.5587 1.31607 10.7956 1 10 1L6 10V21H17.28C17.7623 21.0055 18.2304 20.8364 18.5979 20.524C18.9654 20.2116 19.2077 19.7769 19.28 19.3L20.66 10.3C20.7035 10.0134 20.6842 9.72068 20.6033 9.44225C20.5225 9.16382 20.3821 8.90629 20.1919 8.68751C20.0016 8.46873 19.7661 8.29393 19.5016 8.17522C19.2371 8.0565 18.9499 7.99672 18.66 8H13Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\"\n                              stroke-linejoin=\"round\"><\/path>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3418\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"><\/rect>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"No\"\n                value=\"no\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">No<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-down\" clip-path=\"url(#clip0_604_3423)\">\n                        <path id=\"Vector\"\n                              d=\"M16 0.999995H18.67C19.236 0.989986 19.7859 1.18813 20.2154 1.55681C20.645 1.9255 20.9242 2.43905 21 3V10C20.9242 10.5609 20.645 11.0745 20.2154 11.4432C19.7859 11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Many real estate processes can be handled on your own or with the help of a realtor\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Some tenant or neighbor disputes may need the help of local police\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Complex real estate issues (such as construction defects or illegal landlord actions) may need the support of an attorney\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Buying or selling a home, facing foreclosure, or mortgage loan issues can benefit from legal expertise. An attorney can offer tailored advice and help prevent common mistakes.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/real-estate-law\/#USER_GEO\/?fli=esum:FL43\" target=\"_blank\" rel=\"noopener\">Find a local attorney<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img decoding=\"async\"\n                src=\"https://www.findlaw.com/static/c/images\/images\/w_1200,c_limit,dpr_auto\/f_auto,q_auto:eco\/v1745902396\/ability-law\/wp-prod\/general-components-subscribe-module-Image-subscribeModule_1\/general-components-subscribe-module-Image-subscribeModule_1.png?_i=AA\"\n                alt=\"\"\n                loading=\"lazy\"\n            \/>\n        <\/div>\n    <\/div>\n\n    <div class=\"email-subscription-content fl-flex fl-flex-wrap\">\n        <div class=\"email-subscription-content-text fl-mb25\">\n            <h4 class=\"fl-no-margin\">Enter your email address to subscribe<\/h4>\n        <\/div>\n\n        <form class=\"email-subscription-content-form\">\n            <input type=\"hidden\" name=\"distributionList\" value=\"latl\" \/>\n            <label for=\"email-subscription-content-form-group-input\" class=\"fl-text-sm-bold\">Email (Required)<\/label>\n            <div class=\"email-subscription-content-form-group\">\n                <input id=\"email-subscription-content-form-group-input\" name=\"email\" autocomplete=\"email\"\/>\n                <button type=\"submit\" aria-label=\"Submit\">\n                    <i class=\"fa fa-angle-right\" aria-hidden=\"true\"><\/i>\n                <\/button>\n            <\/div>\n            <p class=\"email-subscription-content-form-success subscribe-success-message fl-text-sm-bold\" aria-hidden=\"true\" role=\"status\">Thank you for subscribing!<\/p>\n            <p class=\"email-subscription-content-form-error subscribe-error-message fl-text-sm-bold\" role=\"alert\" aria-hidden=\"true\"><\/p>\n\n            <div id=\"email-subscription-content-form-recaptcha\" class=\"email-subscription-content-form-recaptcha subscribe-recaptcha\"\n                data-sitekey=\"0x4AAAAAAABGBEkK9kEeKxO-\"><\/div>\n        <\/form>\n\n        <div class=\"email-subscription-content-footer fl-text-sm\">\n            <p><a href=\"https:\/\/newsletters.findlaw.com\/\" target=\"_blank\" rel=\"noopener\">Learn more about FindLaw\u2019s newsletters<\/a>, including our terms of use and privacy policy.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n<div class=\"general-list\">\n    <h3>Helpful Links<\/h3>\n    <ul class=\"fl-list fl-no-margin\">\n                                    <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/buying-a-home.html\">\n                        Buying a Home\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/landlord-tenant-law.html\">\n                        Landlord-Tenant Law\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/neighbors\/neighbor-disputes.html\">\n                        Neighbor Disputes\n                    <\/a>\n                <\/li>\n                        <\/ul>\n<\/div>\n\n    <div class=\"popularDirectory\">\n        <div class=\"general-popular-directory \">\n            <div class=\"general-popular-directory-title\">\n                <h3>Attorney Directory<\/h3>\n            <\/div>\n            <ul>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/real-estate-law\/\" target=\"_blank\" rel=\"noopener\">Real Estate Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/construction-law\/\" target=\"_blank\" rel=\"noopener\">Construction Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/eminent-domain\/\" target=\"_blank\" rel=\"noopener\">Eminent Domain Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/foreclosure-alternatives\/\" target=\"_blank\" rel=\"noopener\">Foreclosure and Alternatives Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/land-use-zoning\/\" target=\"_blank\" rel=\"noopener\">Land Use and  Zoning Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/landlord-tenant\/\" target=\"_blank\" rel=\"noopener\">Landlord and Tenant Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/housing-construction-defects\/\" target=\"_blank\" rel=\"noopener\">Housing and Construction Defects Lawyers<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Scam artists use the fear of foreclosure to prey on unsuspecting or uninformed homeowners. FindLaw provides tips to stay protected and alert against scams.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":369116,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2741],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-369128","page","type-page","status-publish","hentry","category-realestate"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=369128"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369128\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369116"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=369128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=369128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=369128"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=369128"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=369128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}