MEMORANDUM OPINION
ROGER W. TITUS, District Judge.
Foreclosure is a terrifying prospect for any homeowner. Having fallen behind on mortgage payments and unable to make ends meet, fearful homeowners facing foreclosure are desperate to keep their homes but uncertain where to turn for help. As the rate of foreclosures has increased—reaching crisis proportions in recent months—so have instances of scam artists seeking to take advantage of...
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