Consumer Warning!
There are many unscrupulous companies offering mortgage modifications, home rescue, stop foreclosures or rent to own services taking advantage of unsuspecting home owners. NEVER pay money to anyone or sign anything before consulting an attorney. ONLY AN ATTORNEY CAN LEGALLY NEGOTIATE ON YOUR BEHALF AND PROTECT YOUR RIGHTS!!!

Beware of mortgage modification companies that use terms like lawyer on staff or Lawyer-Based. In these cases they are not your attorney, they are not retained and do not work for you. Be sure you have actually hired an attorney to protect your rights and ask to speak to that attorney to confirm they are working for you. You may also confirm their status with the AZ Bar Association.

Loan modification companies do nothing that the borrower could not do on their own. 

Other Resources
Bernanke Speaks on Foreclosures
Lawsuit, Countrywide says its ads are "puffery"
House Bill 2648 relating to modification and foreclosure services
Obama's Homeowner Affordability and Stability Plan
WSJ Article on Loan Modification Defaults
Power Point Presentation for Realtors
Changes in AZ Anti Deficiency Laws (effective 9/30/09) [Repealed]
Senate Bill 1271, Amendments to ARS 33-814
Lenders, Realtors Divided on Arizona Foreclosure Law
Arizona Foreclosure Help Workbook
Dimensioning the Housing Crisis by Laurie Goodman
FBI Files Criminal Charges against 1215 People for Mortgage Fraud

Video Articles
Beware Unlicensed, Unregulated Modification Providers
Does Obama's Plan Go Far Enough?
What is Mortgage Mediation?
Who Can Benefit from Obama's Plan
Options for Distressed Homeowners
Neil Thomson Discusses New Deficiency Laws

Newsletters and Articles
February 2010
10 Things They Didn't Teach You in Short Sale School
Short Sales and the Security Nightmare; Are You Compliant (Part 1)
Data Security and Compliance (Part 2)
Arizona Recourse and Deficiency