Before seeking advice from any company or agency, do a little research. You need to make sure they’re a reputable business and have been in business for at least two years. But, if you’re still not sure if they’re legitimate, there is a few things that can distinguish a real professional from a scam artist.

You should never be asked to pay large amounts of money up front. In fact, the first consultation should be completely free. A legitimate company will discuss your particular situation with you and inform you of exactly what they can and can not do before asking for any payment.

Don’t be afraid to ask for references from the company. If they’re a legitimate company they won’t care to provide you with references because they will have many satisfied customers. And, make sure that the advice you decide to take will actually stop the process of foreclosure.