DMOONZ

Your next move. Made clearer.

Dmoonz / Your action plan

Less guessing.
More next steps.

The documents, people and practical steps that help you move forward.

Talk it through ↗Words, made simple
Free 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.

You do not need a perfect folder to begin. Tell us what happened, what you want to achieve and the nearest deadline. Keep urgent legal and servicer contacts moving while we help organize the picture.

The process: what happens next?
  1. Identify the stage, deadlines and your goal.
  2. Organize debts, income, expenses and notices.
  3. Contact the servicer, counselor, agency or attorney responsible for the decision.
  4. Submit the required documents securely and keep proof of delivery.
  5. Track requests, missing items, decisions and appeal instructions.
  6. Review written terms with the appropriate professional before signing.
How long does it take?

There is no dependable one-size-fits-all timeline. File completeness, loan rules, agency review, court dates, title issues and approvals affect timing. Ask who is reviewing the file, what is missing, when to follow up and which deadlines remain active. Dmoonz does not promise a decision date or an auction postponement.

Your document checklist

Gather mortgage statements, notices and court papers; a dated contact log; proof of income or benefits; expenses and hardship details; tax and water bills; and rental-income records if applicable. The receiving professional may request tax returns and bank records through a secure channel. Do not upload Social Security numbers, bank-account details or unredacted sensitive documents to our general inquiry form.

Free help and who does what

New York DFS / HOPP connects homeowners with counseling and legal-help resources: 855-466-3456. NYC HPD foreclosure-prevention resources provides local pathways. Attorneys handle legal strategy; housing counselors help assess options; servicers decide mortgage workouts; DOF and DEP handle their own accounts.

Avoid scams and deed theft

Be wary of guaranteed rescue, pressure to sign immediately, instructions to stop communicating with your lender, or demands to transfer your deed to obtain help. Confirm credentials and costs independently. Have a trusted lawyer review unfamiliar contracts before signing.

Use NYC deed-fraud guidance and CFPB scam guidance.

← Homeowner help hub · Contact Dmoonz · Book a conversation

Dmoonz helps organize the next steps and connect you with appropriate resources. Legal advice and court representation belong with an attorney; mortgage approvals belong with your servicer. Your eligibility, costs and outcome depend on your circumstances.

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