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Joe Zaky
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Trouble Making Payments?
Alternatives to Foreclosure

Common Scams

Don’t Be A Victim!

Homeowners facing foreclosure are at risk of becoming victims of a foreclosure scam. Individuals involved
in such scams convince vulnerable homeowners that they can save the homeowner from foreclosure. They
tell the homeowner that they have direct contact with the servicer. They advise the homeowner that there
are “federal laws” that require your lender to work with them. They assure the homeowner that they can help
and will almost always ask for a fee.

In reality, they are not there to help the homeowner. They only want your money or your home. They
encourage the homeowner to stop working with their lender, servicer, or real estate agent and
tell them that they will take care of everything.

Some common scams are:

Bailout or Rent-to-Buy – Includes various schemes where homeowners surrender their title to the house
thinking they will be able to remain as renters and buy the house back in a few years. In actuality, the
terms for buying the house back make it nearly impossible for the homeowner to do so.

Bait and Switch – Homeowners believe they are signing documents for a new loan to make the mortgage
current, but sign away their home and are left holding the mortgage on a home they no longer own.

• Phony Counseling or Phantom Help – The person conducting the scam tells the borrower that he can
negotiate a deal with the servicer to save the house if the borrower pays a fee first. Once the fee is paid,
the person takes off with the money and/or provides no assistance.

Bankruptcy Foreclosure - The rescuer promises to negotiate with the lender on the borrower’s behalf for
a fee. The rescuer takes the fee and files a bankruptcy case in the borrower’s name and without the
borrower’s knowledge.

New scams are always developing. If the assistance looks too good or too easy or if you are asked to pay
a fee for foreclosure prevention services make sure, verify that the service and company contacting you is legitimate.


IMPORTANT NOTICE: Long Realty Company is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer 
and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit rating. Homeowner acknowledges 
that Broker/Agent is not qualified to provide financial, legal, or tax advice. Therefore, the Seller is advised to obtain professional tax advice and consult independent 
legal
 counsel immediately regarding the tax implications and advisability of entering into a short sale agreement. Long Realty Company does not charge an additional fee or
commission for its Mortgage Assistance Relief services. However, upon the successful sale of your property a commission will be paid to Long Realty Company per the terms of your Listing Agreement.