All homeowners should be aware of the many foreclosure scams popping up across the country. Internet, TV, they are everywhere and if you fall into the trap you could end up out more than just the mortgage. The goverment is getting into this scam thing through HUD (Housing, Urban Development), DOJ (Department of Justice), and FTC(Federal Trade Commission). These agencies are cracking down on these scams, just be careful you do not get caught up before the feds track them all down. Best bet for the homeowner is to work with their bank and not have someone do it for them. Too many scam artist taking advantage of desperate homeowners who have enough problems already, so be very careful.