A WORD TO THE WISE

I recently received an email from a “Robert James” who is offering a rent to own
deal on select homes IF you click on the links to a “free” credit report and then give them a credit card number so that you can receive an “exclusive” list of homes that I get for free from a government website.

Needless to say, skeptic that I am, I did a little more research and found THIS article about similar scams that is a MUST READ for anyone who is considering answering this type of email.

“The latest scam to hit craigslist and inboxes across America could cost you your identity. The scammer operates under the name Kyle Waitley and he promises you a list of very cheap foreclosed homes for a mere $2 and a credit check.”

There are no shortcuts to repairing your credit and getting control over your budget. There is no magic formula that can be tapped into over the internet; only deceit and financial loss.

So, if you are serious about getting back on track, there are usually one or more nonprofit government sponsored agencies in each state ready to help you reclaim your life. HERE is an example of one such agency in my state of North Carolina. (The link to this organization is for an example only and should not be constued as an endorsement for this or any other similar company. As always, let the buyer beware, so do your homework and contact your state's BBB for more information on any company beofre doing business with them!)

If you are struggling to hold on to your home, don’t wait for the eviction notices; call a reputable REALTOR in your area who is willing to help you either by way of a short sale or by helping you contact the appropriate department at your lender’s establishment.

If you have questions, you can email me using the contact link on the side bar and I’ll be happy to help you in any way I can.

These are scary, uncertain times, but we can get through them helping each other.