Home foreclosure is a bad situation to be in. Once the notices start coming and the phone starts ringing you can't keep hiding. Apart from other options that you can utilize to stop a foreclosure there are also other people who claim that they can help you. These calls are from organizations that have their own motives and goals. In desperate times even a good sales pitch may sound like a miracle.

There are a number of people who are going to send mail or call. Most likely they were able to get your address or your number from the court system. Due to the legal nature of the process your information will be deemed as public and be published.

These are the most common people or organizations that are going to give you call:

• Swindlers and frauds
• Mortgage brokers
• Chapter 13 Attorneys
• Mortgage negotiators
• Private financiers
• Your mortgage lender

Swindlers and frauds

These are the ones you have to be aware of. All of them offer promises and refer you to a chapter 13 attorney for collect a fee. In worse cases, they will take the deed of the house and force you to pay rent while leading you to believe that they can save your home.

Mortgage brokers

They can help you by refinancing your property. Unfortunately these loans may have higher interest rates and closing costs than what you payed at the bank. Some may even charge you more to see how much you are willing to pay and take advantage of it.

Chapter 13 Attorneys

This should be your last resort. Most of these attorneys don't really care about the situation you're in or give you the attention you need.

Mortgage negotiators

They negotiate repayment schemes with mortgage lenders. You can negotiate with the bank but in case it fails you can ask the help of a professional to get the plan approved. Some banks may impose a much more demanding plan and these professionals can get you a more favorable agreement.

Private Financers

They help arrange a new loan for you or buy the house from you. No matter which type you choose you must be completely aware of what they are doing and what they want. Other people can help while some can just make matters worse.

Your mortgage lender

Your mortgage holder will call you to reinstate your loan. This can be a good option depending on your situation. These are usually offered by mortgages backed by the government such as a FHA loan.

Whoever calls you or wherever the mail comes from be aware and think things through. You can stop a home foreclosure with the right options applicable for your situation.