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Mortgage foreclosure is a frightening prospect for any homeowner. The process of a mortgage foreclosure is confusing, intimidating, and stressful. Many homeowners do not know where to turn for help or who they can trust. All too often confused homeowners are scammed by crafty con artists and scam loan modification companies seeking to capitalize on homeowner anxieties regarding foreclosure. These companies are not usually licensed or certified in the State of Florida in any profession. Many of these companies are fly by night operations attempting to pose as attorneys or as other real estate professionals. They may use clever or professional sounding names along with

Home foreclosures have risen exponentially throughout the United States. Subprime lending, large portions of adjustable rate mortgages resetting in the last few years, and an economic slowdown are just a few of the reasons home foreclosures have reached a torrid pace across the United States. The State of Florida has not been exempt from the rash of foreclosures, with the second highest number of foreclosures in the United States occurring in Florida. With the substantial increase in home foreclosures, mortgage lenders, in a haste to foreclose, are making more and more mistakes in prosecuting foreclosure actions. One of the most significant mistakes lenders are making