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Unsolicited Contact

If you receive an unsolicited call or letter promising help, verify that the person promising help is actually from your lender or servicer. Technically, only your lender or servicer has the power to modify your loan. Scammers use public records to find out the default status of homeowners, and some of them pretend to be the lender holding the lien. However, you can usually verify if the offer for help is real by contacting your lender's customer-service line.

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http://fightfraud.nv.gov/ForeclosureScams_Warning_new.htm