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Lao Center of Minnesota Helps Homeowners Avoid Foreclosures and Scams during the 13th Annual National Consumer Protection Week

Millions of homeowners will try to reduce their mortgage payments with a loan modification.

The scammers know this.

Lao Assistance Center of Minnesota, a partner of the national Loan Modification Scam Alert campaign, has 10 tips to help Twin cities homeowners seeking foreclosure prevention assistance

this year:

1. Contact your lender first as soon as you get concerned about paying your mortgage.


2. Determine your options by speaking to your lender's loss mitigation department.


3. Be patient but persistent with your lender, because getting a loan modification takes time.

4. Call Lao Assistance Center of Minnesota, a local HUD-approved counseling agency at 612.374.4906 that provides loan modification assistance services for free. Or visit

5. Meet with a counselor at Lao Assistance Center of Minnesota, where trained counselors are available to provide assistance in English, Lao, Thai, and other Southeast Asian Languages upon request.

6. Beware of loan modification scams. Some companies and individuals are out to take advantage of homeowners seeking loan modifications.

7. Avoid anyone who asks for a fee prior to providing any loan modification service,

including companies, individuals and even some lawyers.

8. Avoid anyone who guarantees to get your loan modified or stop a foreclosure, because nobody has the power to make this promise.

9. Avoid companies that tell you to stop paying your mortgage and to pay them instead. This is a sure sign of a scam.

10. Report loan modification or foreclosure scams at any time by visiting or calling 1-888-995-HOPE (4673).


About the Loan Modification Scam Alert Campaign

Loan modification scams are proliferating at a rapid pace—costing unsuspecting homeowners thousands of dollars and often their homes. To help combat this issue, Congress asked NeighborWorks America® to launch a national public education campaign in 2009. Today, the Loan Modification Scam Alert campaign empowers homeowners to protect themselves against loan modification scams, find trusted help and report illegal activity to authorities. For more information about the campaign, visit

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