Trust is a hard thing to come by these days, especially if you are behind on your mortgage. You get calls from your lender or third-party servicer at the beginning of the month. If you get a good representative, the call is somewhat conversational. The collector gently reminds you that you haven't paid yet but that the company will work with you.
You may be struggling with overwhelming debt if you are reading this post. Maybe you went online to do some research about debt relief options. If you have, there is also a high chance that you have at least considered bankruptcy as one of your options. You may have even read a few blog posts or informational pages about bankruptcy.
Are you in debt? Are you suffering from annoying or harassing calls from creditors? Does a debt relief organization's promise to "reduce your rate by 6 percent for only a $500 processing fee" sound like the relief you need to get things back on track? Hang up the phone! You could be the victim of a scam!