--- title: Foreclosure and Loan Modification Blog | mortgage fraud description: mortgage fraud | Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. --- [![Foreclosure and Loan Modification Lawyers](https://blog.amerihopealliance.com/hs-fs/images/forclosure-attorneys.png?width=360&height=117&name=forclosure-attorneys.png "Foreclosure and Loan Modification Lawyers")](https://www.amerihopealliance.com/) - Practice Areas - [Foreclosure Defense](https://amerihopealliance.com/foreclosure-defense) - [Claim Surplus Funds](https://amerihopealliance.com/surplus-funds) - [Loan Modification](https://amerihopealliance.com/loan-modification) - [Tax Resolution & Tax Preparation](https://amerihopealliance.com/en/amerihope-alliance-tax-resolution) - [Bankruptcy](https://amerihopealliance.com/en/bankruptcy) - [Probate](https://amerihopealliance.com/en/probate) - [About Us](https://amerihopealliance.com/about_us) - [Case Results](https://legal.amerihopealliance.com/case-results) - [Client Login](https://amerihopealliance.com/client_login) - [FAQ](https://amerihopealliance.com/frequently-asked-questions) - [Contact Us](https://amerihopealliance.com/contact_us) - [Blog](https://blog.amerihopealliance.com/blog) - [Foreclosure and Loan Modification Blog](https://blog.amerihopealliance.com/blog) - [Personal Injury Blog](https://blog.amerihopealliance.com/personal-injury) - [Referrals](https://amerihopealliance.com/surplus-case-referral) ph: (877) 882-5338 # Foreclosure and Loan Modification Blog - [Blog](https://blog.amerihopealliance.com/blog) - Foreclosure and Loan Modification Blog ## [Tips for Avoiding Foreclosure Scams](https://blog.amerihopealliance.com/blog/tips-for-avoiding-foreclosure-scams) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-284087823.jpg)](https://blog.amerihopealliance.com/blog/tips-for-avoiding-foreclosure-scams) **Foreclosure Headlines — Here’s How to Protect Yourself From Scams** Turn on the news or scroll through social media, and you’ll probably see another headline about foreclosures. “Foreclosures Are Rising” “Foreclosures Are a Hot Investment” While these stories often focus on trends or investors, they overlook the real people behind the numbers—**homeowners fighting to stay in their homes**. If you're struggling with mortgage payments, it’s easy to feel overwhelmed and vulnerable. Unfortunately, foreclosure scams target people in exactly that position. To help you avoid becoming a victim, here are **four critical tips from the Federal Reserve Board** on how to steer clear of foreclosure scams: --- ### 1. **Don’t Pay an Arm and a Leg** There is a legal fee associated with hiring an attorney.  Some law firm permit monthly payments which make hiring an attorney much more affordable.  **Red flags to avoid**: Requests for payment only by cashier’s check or wire transfer Lack of experience, look for an attorney that has represented thousands of homeowner for over a decade Bankruptcy is their only solution.  --- ### 2. **Beware of Guarantees** Not even the best attorney or —can *guarantee* to stop foreclosure. Law firms should will **help you explore your options**, like loan restructure, repayment plan, forbearance, but they won’t promise results they can’t control. If someone says they can *guarantee* a specific result,  **walk away**. Always get everything in writing. --- ### 3. **Know What You’re Signing — and Who You’re Signing It With** Never sign anything you haven’t read or don’t fully understand.  And don’t: Sign blank documents Allow someone to “fill out the paperwork for you” Sign anything that could transfer ownership of your home without **first consulting an attorney** **Slow down, ask questions, and seek legal advice.** --- ### 4. **If It Sounds Too Good to Be True, It Probably Is** Trust your gut. If you're hearing is Big Promises that’s a sign to be cautious. If you believe you've been targeted by a scam, report it—and **don’t delay in seeking legitimate help**. --- **Bottom Line: You Don’t Have to Face Foreclosure Alone** Protect yourself by working only with trusted legal professionals, getting everything in writing, and knowing your rights. There is real help out there—you just have to know where to look. Consult with a qualified foreclosure attorney right away.   \[fa icon="clock-o"\] Friday, August 1, 2025 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [loan modification scams in Florida](https://blog.amerihopealliance.com/blog/topic/loan-modification-scams-in-florida) [Read More »](https://blog.amerihopealliance.com/blog/tips-for-avoiding-foreclosure-scams) ## [Family Gets $5M From Wells Fargo For Robosigned Foreclosure Docs](https://blog.amerihopealliance.com/blog/family-gets-5m-from-wells-fargo-for-robosigned-foreclosure-docs) [![](https://blog.amerihopealliance.com/hubfs/NMS.jpg)](https://blog.amerihopealliance.com/blog/family-gets-5m-from-wells-fargo-for-robosigned-foreclosure-docs) On November 6, 2015, a Texas jury awarded Mary Ellen and David Wolf $5.38 million because Wells Fargo Bank and Carrington Mortgage services submitted forged documents to foreclose on the couple's home. You read that right, **a $5.38 million settlement for one home!** Journalist David Dayen points out that if you multiply that amount by the roughly six million homes that have been foreclosed since the financial crisis began in 2008, you get $32 trillion. Compared to the **$25 billion the banks paid as part of the National Mortgage Settlement**, and the continuing foreclosure fraud, it sure seems like the banks got off easy. \[fa icon="clock-o"\] Wednesday, January 27, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/family-gets-5m-from-wells-fargo-for-robosigned-foreclosure-docs) ## [Banks Still Using Fraudulent Documents to Foreclose On Homeowners](https://blog.amerihopealliance.com/blog/banks-still-using-fraudulent-documents-to-foreclose-on-homeowners) [![](https://blog.amerihopealliance.com/hubfs/Fraud-1.jpg)](https://blog.amerihopealliance.com/blog/banks-still-using-fraudulent-documents-to-foreclose-on-homeowners)   The late 2000s were an interesting time in America. Esoteric terms, like subprime mortgage-backed securities, credit default swaps, and collateralized debt obligations, entered our vocabulary. A nationwide banking crisis and recession caused millions to lose their jobs and value in their homes and investments. Everyday Americans became aware that there was a housing bubble and, like all bubbles, it was bursting. It appeared that fraud had occurred at large banks, but individual homeowners had to pay the price. \[fa icon="clock-o"\] Wednesday, September 16, 2015 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud) [Read More »](https://blog.amerihopealliance.com/blog/banks-still-using-fraudulent-documents-to-foreclose-on-homeowners) ## [Be Smart Fighting Foreclosure in FL - Know About the 5 Year Statute of Limitations](https://blog.amerihopealliance.com/blog/be-smart-fighting-foreclosure-in-fl-know-about-the-5-year-statute-of-limitations) [![](https://blog.amerihopealliance.com/hubfs/images/blog/statute-of-limitations.jpg)](https://blog.amerihopealliance.com/blog/be-smart-fighting-foreclosure-in-fl-know-about-the-5-year-statute-of-limitations) What does the acceleration of Florida's five year statute of limitations mean? It means that the plaintiff within 5 years after the mortgage loan goes into default is the time that they can sue for foreclosure. But let's say that the court dismisses the action without prejudice. The plaintiff can then pick a more recent breach date (time that loan is in default) and restart the limitation clock. Only if the plaintiff does not file a new action within 5 years of the most recent breach will the Statute of Limitations prohibits the court from hearing the case. However, the 3rd District Court of Appeal in Florida has, since January 2015 a unique yet narrow interpretation stemming from the ruling in Deutsche Bank Trust Company Americas, v. Harry Beauvais, et al., No. 3D14-575 where it deems basically that a dismissal with prejudice merely resets the clock. Please note that there are 5 District Court of Appeals in Florida. Therefore, the jurisdiction your home is in is also a factor. It is important to know that: 1. Acceleration is a term in a loan agreement that requires the borrower to pay off the loan immediately under certain conditions. 2. The five year Florida statute of limitations period begins when the lender files its first action. 3. Only valid mortgage notes can go into foreclosure. 4. Only a dismissal with prejudice stops the clock for purposes of the Statute of Limitations. \[fa icon="clock-o"\] Wednesday, May 6, 2015 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [foreclosure process in florida](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-florida), [mortgage modification](https://blog.amerihopealliance.com/blog/topic/mortgage-modification), [mortgage examination](https://blog.amerihopealliance.com/blog/topic/mortgage-examination), [Florida statue of limitations](https://blog.amerihopealliance.com/blog/topic/florida-statue-of-limitations) [Read More »](https://blog.amerihopealliance.com/blog/be-smart-fighting-foreclosure-in-fl-know-about-the-5-year-statute-of-limitations) ## [High Power Execs & the Get out of Jail Free Card, a Love Story](https://blog.amerihopealliance.com/blog/high-power-execs-and-the-get-out-of-jail-free-card-a-love-story) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-987251026.jpg)](https://blog.amerihopealliance.com/blog/high-power-execs-and-the-get-out-of-jail-free-card-a-love-story) In a far away kingdom long long ago... Better yet, substitute kingdom for United States of America around (more or less) 7 years ago, and brace yourselves for this tragic novella. Do you remember that time when the stock market crashed (AGAIN) and the whole country thought it was circa 1930's Great Depression part deux. Yeah, you know, that time when the security-backed mortgage bubble burst and everything went down the drain... Sparking a flashback? \[fa icon="clock-o"\] Monday, July 28, 2014 \[fa icon="user"\] [Madel Bermudez](https://blog.amerihopealliance.com/blog/author/madel-bermudez) \[fa icon="folder-open'\] [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [lenders](https://blog.amerihopealliance.com/blog/topic/lenders) [Read More »](https://blog.amerihopealliance.com/blog/high-power-execs-and-the-get-out-of-jail-free-card-a-love-story) ## [How to Pay Down Your Mortgage Faster](https://blog.amerihopealliance.com/blog/how-to-pay-down-your-mortgage-faster) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-939592460.jpg)](https://blog.amerihopealliance.com/blog/how-to-pay-down-your-mortgage-faster) Paying off your mortgage faster may not be your goal when you first buy a house, but after a few years your [financial situation](https://blog.amerihopealliance.com/blog/four-tips-for-financial-success) may change. If you have more income than you did when you first bought the house, you might consider paying off your mortgage early. \[fa icon="clock-o"\] Tuesday, June 3, 2014 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [mortgage modification](https://blog.amerihopealliance.com/blog/topic/mortgage-modification) [Read More »](https://blog.amerihopealliance.com/blog/how-to-pay-down-your-mortgage-faster) ## [Consumer Complaints: Loan Modification Scams Highlighted](https://blog.amerihopealliance.com/blog/consumer-complaints-loan-modification-scams-highlighted) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-772684834.png)](https://blog.amerihopealliance.com/blog/consumer-complaints-loan-modification-scams-highlighted) Recently, the Lawyers’ Committee for Civil Rights Under Law and NeighborWorks® America highlighted the ongoing foreclosure rescue scam crisis during a press conference to identify top consumer complaints in New York. **During this National Consumer Protection Week event, representatives offered guidance on avoiding [financial scams](https://blog.amerihopealliance.com/blog/valuable-fraud-prevention-tips-for-homebuyers-and-homeowners), including loan modification scams.** The Federal Trade Commission’s Office organized the press event, which highlighted the most egregious frauds plaguing New York residents and featured scam avoidance tips from the Better Business Bureau Serving Metropolitan New York, United States Postal Inspection Service, New York Attorney General’s Office, New York State Department of Financial Services, New York City Department of Consumer Affairs and AARP. The Loan Modification Scam Alert Campaign educates homeowners about the warning signs that indicate that the person or company offering assistance may be a scam. **The top three warning signs of a scam are any person or company that:** ***• Asks for fees in advance of fully providing services*** ***• Guarantees that they’ll stop a foreclosure or get your loan modified.*** ***• Tells you to stop paying your mortgage compa****ny and to pay them instead*** \[fa icon="clock-o"\] Tuesday, May 13, 2014 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [loan modification scams in Florida](https://blog.amerihopealliance.com/blog/topic/loan-modification-scams-in-florida), [Scam Alert](https://blog.amerihopealliance.com/blog/topic/scam-alert) [Read More »](https://blog.amerihopealliance.com/blog/consumer-complaints-loan-modification-scams-highlighted) ## [Valuable Fraud Prevention Tips for Homebuyers and Homeowners](https://blog.amerihopealliance.com/blog/valuable-fraud-prevention-tips-for-homebuyers-and-homeowners) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-627772467.jpg)](https://blog.amerihopealliance.com/blog/valuable-fraud-prevention-tips-for-homebuyers-and-homeowners) Canada Mortgage and Housing Corporation (CMHC) offers the following tips to protect yourself against becoming a victim of mortgage fraud. *Be an informed consumer!* Be wary of anyone who approaches you with an offer to make "easy money" in real estate. **Remember: if a deal sounds too good to be true, it probably is.** Protect yourself and your family from becoming victims of or accomplices to mortgage fraud. This means: \[fa icon="clock-o"\] Tuesday, April 1, 2014 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [Scam Alert](https://blog.amerihopealliance.com/blog/topic/scam-alert), [mortgage shopping,](https://blog.amerihopealliance.com/blog/topic/mortgage-shopping) [Read More »](https://blog.amerihopealliance.com/blog/valuable-fraud-prevention-tips-for-homebuyers-and-homeowners) ## [Mortgage Changes to Know in 2014](https://blog.amerihopealliance.com/blog/mortgage-changes-to-know-in-2014) [![](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-588271271.jpg)](https://blog.amerihopealliance.com/blog/mortgage-changes-to-know-in-2014) New rules will provide homeowners and consumers shopping for a home mortgage with new rights and greater protection from harmful practices. These rules should **eliminate or sharply reduce** the runarounds and painful surprises that hurt so many homeowners during and after the financial crisis. \[fa icon="clock-o"\] Tuesday, March 18, 2014 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [mortgage modification](https://blog.amerihopealliance.com/blog/topic/mortgage-modification), [mortgage shopping,](https://blog.amerihopealliance.com/blog/topic/mortgage-shopping) [Read More »](https://blog.amerihopealliance.com/blog/mortgage-changes-to-know-in-2014) ## [Protect Yourself from Mortgage Abuse](https://blog.amerihopealliance.com/blog/protect-yourself-from-mortgage-abuse) [![](https://blog.amerihopealliance.com/hs-fs/file-514831281-jpg/images/upside_down.jpg)](https://blog.amerihopealliance.com/blog/protect-yourself-from-mortgage-abuse) *By John Voket* In this report, I will pick up where I left off: reviewing details from the Connecticut Public Interest Research Group - ConnPIRG - about new Consumer Financial Protection Bureau (CFPB) rules that just went into effect to help protect homeowners and homebuyers from [mortgage abuses](https://blog.amerihopealliance.com/blog/bid/296244/Mortgage-Fraud-The-Inside-Story). ConnPIRG is a non-profit, non-partisan advocacy organization that takes on powerful interests on behalf of its members. As a founding member of the coalition Americans for Financial Reform, ConnPIRG helped lead the fight to establish the Consumer Financial Protection Bureau. Abe Scarr, ConnPIRG Director said in addition to the [CFPB's new rules](https://blog.amerihopealliance.com/blog/get-to-know-new-consumer-protections-on-mortgages-) protecting homebuyers and homeowners, the agency has released a variety of self-help tools so consumers can protect themselves. \[fa icon="clock-o"\] Tuesday, February 11, 2014 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [Scam Alert](https://blog.amerihopealliance.com/blog/topic/scam-alert), [mortgage shopping,](https://blog.amerihopealliance.com/blog/topic/mortgage-shopping) [Read More »](https://blog.amerihopealliance.com/blog/protect-yourself-from-mortgage-abuse) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud/page/2) ### About this Blog Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes. [![Click to Read Our Super Loan Mod Success Stories](https://no-cache.hubspot.com/cta/default/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953) Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a [free consultation](https://www.amerihopealliance.com/free_consultation) at any time. ### Subscribe to Email Updates - Popular - Recent - Topics ![feature image](https://blog.amerihopealliance.com/hubfs/images/Affirmative-517166-edited.jpg) [Using Affirmative Defenses When Answering A Foreclosure Complaint](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint) Published December 3, 2019 ![feature image](https://blog.amerihopealliance.com/hs-fs/file-371665267-jpg/images/us-bank-logo-slim.jpg) [How Our Attorneys Beat U.S. Bank, A True Foreclosure Stooge](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) Published November 6, 2013 ![feature image](https://blog.amerihopealliance.com/hubfs/images/auction2.jpg) [What If Your Home Doesn't Sell At Foreclosure Auction?](https://blog.amerihopealliance.com/blog/what-if-your-home-doesnt-sell-at-auction) Published October 13, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/Danger-124412-edited.jpg) [Avoid Inheriting A Timeshare By Filing "Disclaimer of Interest"](https://blog.amerihopealliance.com/blog/avoid-inheriting-a-timeshare-by-filing-disclaimer-of-interest) Published June 18, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/padlocked-home.jpg) [What Do You Do If Your Bank Changes the Locks on Your House?](https://blog.amerihopealliance.com/blog/what-do-you-do-if-the-bank-changes-the-locks-on-your-house) Published October 19, 2016 ### Lists by Topic - 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