This document summarizes common mortgage relief scams and provides tips to avoid becoming a victim. It outlines red flags like upfront fees and guarantees of results. Common scams include phantom foreclosure counseling where homeowners pay fees but receive no help, and deed transfers where homeowners unknowingly sign over the property title. The document advises contacting trusted sources like lenders and government agencies to verify claims. It also notes steps the government is taking to address fraud and regulates mortgage assistance relief services.