Becoming a homeowner is probably one of the most fulfilling experiences anyone can have. At last, you now own a piece of the American dream. However, you’ll realize, unfortunate events could happen along the way as you work to pay off your mortgage. If such unfortunate events start to affect your ability to settle your monthly mortgage payments it’s normal to seek help, especially if you think that you might head to foreclosure. During this difficult time, you might be vulnerable to scams that could drain your funds.