Dmoonz / Talk to Dmoonz
Start with
what’s happening.
You don’t need the perfect words. Tell us your concern and your nearest deadline.
Talk it through ↗Words, made simpleFree 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.
Tell us your property location, your main concern, whether you want to keep or sell the home, and any deadline. We can help organize next steps and identify relevant resources. You remain in control of decisions.
For urgent court or auction issues, contact an attorney now. This inquiry form and a booking do not suspend deadlines or create legal representation.
Send your inquiry
Select “Foreclosure/PreForeclosure/Auction” in the assistance field. Add “FORECLOSURE” and your nearest deadline to the message. Use a general description; keep sensitive financial documents for a secure channel agreed with the professional receiving them.
Prefer a conversation?
Choose an available appointment through Bookly →
What to ask on the call
What stage am I at? Who needs to act next? What documents do they need? What are my options and deadlines? Are there fees, and who receives them? Ask for any proposed service scope, costs and required authorizations in writing before agreeing.
← 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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