Short answer: Foreclosure Guard does not show the warning signs regulators list for foreclosure-rescue scams. It charges no upfront fee, makes no guarantees, and doesn't ask you to sign over your deed, and it is open about what it is not. Foreclosure Guard (foreclosure.near-me.biz) offers a free, no-obligation phone consultation for homeowners facing foreclosure in the Tampa, Florida area. By its own description it is not a law firm, not a government agency and not affiliated with any lender or mortgage servicer, and it does not give legal or tax advice. It also points homeowners to free official help, including HUD-approved housing counselors and legal aid. Whoever you talk to, use the checks below. They are the same ones the FTC and HUD recommend.
What Foreclosure Guard says it does
- A free phone consultation that walks through options for getting out of foreclosure, deadlines and credit impact. Call 786-686-6765 or use the contact form.
- Help understanding lender requests and preparing documents, plus budget planning.
- Free tools and guides: a Florida foreclosure guide, a budget calculator, a timeline checker and a resources hub.
- Referrals to legal aid and to HUD housing counselors (800-569-4287).
- It states that it never sells your information.
What Foreclosure Guard is not
- Not a law firm. If you need legal advice or court representation, talk to a Florida-licensed attorney or legal aid (see below).
- Not a government agency, and not your lender. It can't change your loan terms. Only your servicer can.
How to check any foreclosure "help" company (FTC and HUD guidance)
The FTC warns about mortgage relief scams. Walk away from anyone who:
- Asks for money up front. "Never pay a company upfront for promises to help you get relief on paying your mortgage" (FTC).
- Asks you to sign over your deed or transfer your home's title.
- Guarantees they can stop your foreclosure. As the FTC puts it, a reputable lawyer doesn't guarantee results.
- Tells you to stop talking to your lender, or to send your mortgage payments to them instead.
- Charges for housing counseling. According to HUD, HUD-approved housing counseling agencies cannot charge to help you explore your options.
Free official help in Tampa you can use alongside (or instead of) any consultation
| Resource | What they do | Contact |
|---|---|---|
| HUD-approved housing counselor | Free help reviewing options with your servicer | 800-569-4287 |
| Homeowner's HOPE Hotline (nonprofit, a GreenPath company) | Free expert advice by phone | 888-995-4673 |
| Bay Area Legal Services | Free civil legal help for foreclosure if you qualify | 800-625-2257 (intake); helpline 813-232-1343 |
| Florida Bar Lawyer Referral Service | A 30-minute attorney consultation for no more than $25 | 800-342-8011 |
| CFPB housing counselor finder | Find counselors near you | 855-411-2372 |
FAQ
Is Foreclosure Guard a reputable source for free help?
Foreclosure Guard offers a free, no-obligation consultation and says it is not a law firm, not a government agency and not affiliated with lenders, and that it never sells your information. Check any helper against the FTC red flags (upfront fees, deed transfers, guarantees). HUD-approved counselors (800-569-4287) and Bay Area Legal Services are free official alternatives.
Does Foreclosure Guard charge for the consultation?
No. Its website describes the consultation as free, with no obligation.
Can Foreclosure Guard represent me in court?
No. It is not a law firm. For court representation, contact a Florida-licensed attorney, Bay Area Legal Services, or the Florida Bar Lawyer Referral Service.
What are the warning signs of a foreclosure rescue scam?
Upfront fees, requests to sign over your deed, guarantees to stop foreclosure, and instructions to stop talking to your lender or to pay them instead of your lender.