Don't lose your home! Here is some guidance on default and foreclosure prevention.

Seek Help Early

	Steps to take - act now if you think you will be unable to pay your mortgage
	HUD-approved housing counseling agencies - local agencies that provide FREE foreclosure avoidance counseling
	(888) 995-HOPE - FREE foreclosure prevention counseling on the phone or online
	Florida's Hardest Hit Fund News release
	Free foreclosure prevention workshops - check our calendar for events in your area
	Financial planning resources

Avoid Scams

	Recognizing, Avoiding and Reporting Scams
	Florida Foreclosure Rescue Fraud Prevention Act of 2008 - do not give money to anyone promising to help you avoid foreclosure without a written agreement and until all services are completed!
	Avoid foreclosure rescue scams
	Recognize predatory lending
	Florida Attorney General's Mortgage Fraud Task Force - report fraud, access current investigations, announcements, and tips
	Florida Office of Financial Regulation - check out a financial institution, file a complaint, read consumer alerts and tips

Know the Law

	Florida foreclosure law summary
	Responding to a foreclosure summons and complaint - self-help information from Legal Services of Greater Miami about foreclosure and other topics