Dmoonz / For homeowners
A difficult chapter.
A clearer next move.
Mortgage trouble, court papers or property debt? Find your starting point. We’ll help you understand the options and organize what comes next.
Tell us what’s happening ↗Explore sellingFree help is available. Know the upfront-fee warning.
Don’t pay upfront for promises to save your home.
Free foreclosure-prevention counseling is available through HUD-approved agencies. You can contact your mortgage servicer directly and request the application and document checklist—you do not have to hire a paid middleman to start.
Mortgage-relief companies generally cannot collect a fee before you accept a written relief offer from your lender or servicer. Calling the charge “paperwork,” “processing” or “application help” does not make a prohibited advance fee acceptable. A limited exception exists for qualifying attorneys who meet specific requirements; not every claimed legal retainer qualifies.
Separate legitimate legal, court or closing costs may apply. Ask what each charge covers, verify the provider and get written terms. Never pay for a guaranteed approval or a promise to stop an auction.
Find out about free foreclosure counseling · Check the FTC’s fee rules and scam warnings · New York HOPP: 855-466-3456.
Already paid someone suspicious? Contact your bank or payment provider promptly about recovery options, keep the receipts and messages, and report it to the FTC. A complaint does not pause foreclosure deadlines.
One next step can make the situation clearer. Worried about your mortgage, a notice or property debt? Start with the topic that matches your situation. Get the essentials now, open the details when you need them, and let Dmoonz help you organize what comes next.
Court or auction deadline? Seek legal help immediately: New York Homeowner Protection Program 855-466-3456. Contacting us or booking an appointment does not pause a deadline.
Tell us what’s happening → Book a conversation through Bookly →
Each case is different. We help with organization and resource navigation; approvals and legal decisions rest with the relevant servicer, agency or qualified professional.
A word you haven’t seen before? Find a plain-English definition →
Start with the essentials.
Your goal, concern and nearest deadline.
Organize the next steps.
We help identify documents, relevant resources and who to contact.
Move with more clarity.
You choose the path. The responsible professionals and agencies handle their approvals.