The possibility of losing your home to foreclosure can be terrifying. Scam artists are preying on the vulnerability of desperate homeowners. Many so-called foreclosure rescue companies or foreclosure assistance firms claim they can help you save your home. Avoiding businesses that: guarantees to stop the foreclosure process, advises you not to contact your lender, lawyer, or credit or housing counselor, collects a fee, encourages you to lease your home so you can buy it back over time, offers to buy your house for cash at a fixed price that is not set by the housing market at the time of sale, offers to fill out paperwork for you or pressures you to sign papers you haven’t had a chance to read thoroughly or that you don’t understand. Contact a credit counselor through the Homeownership Preservation Foundation (HPF), a nonprofit organization that operates a national 24/7 toll-free hotline 1.888.995.HOPE or http://www.995hope.org.