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ATTORNEY GENERAL'S MORTGAGE FRAUD TASK FORCE 
Foreclosures are on the rise in Delaware. The Attorney General's Mortgage Fraud Task Force, in conjunction with the Delaware State Housing Authority and the Office of the State Bank Commissioner, is dedicated to reducing foreclosures statewide by: 

Biden sues private mortgage registry for violating Delaware Law
Download the Complaint 
Download a MERS Fact Sheet

If you are a Delaware resident and believe you have been harmed by MERS, contact the Attorney General's Office by e-mail at mortgage@state.de.us  or call the Attorney General's Mortgage Hotline at 800-220-5424.

 
  Delaware's Mandatory Mediation Program

Starting January 19, 2012, the Attorney General, together with other agencies and organizations, has initiated a mandatory mortgage foreclosure mediation program to give homeowner's a voice in the foreclosure process. Learn more

Read Media Release - Attorney General Biden, Legislators, Advocates Mark Launch of New Foreclosure Mediation Program
Housing SERVICES

Worried about missing a mortgage payment? 
Facing foreclosure? Suspect a foreclosure scam? 

Start the Foreclosure Mediation Process - NEW!
Other Upcoming Housing & Foreclosure Events
 Delaware Foreclosure Timeline

Call the Attorney General's Mortgage Hotline
800-220-5424

Housing services:
Members of the Attorney General's Mortgage Fraud Task Force and other local, state, and federal agencies provide a wide variety of services to help homeowners stay in their home. 

Delaware Foreclosure Help - 
There is help available whether you are a homeowner, renter, or family displaced by foreclosure. Learn about the Delaware Emergency Mortgage Assistance Program (DEMAP), the Foreclosure Mediation Program, and other resources. 
 
Delaware State Housing Authority for more information on foreclosure help

Loan MODIFICATIONS

Loan Modifications:
Mortgage lenders are offering a range of loan modification programs to help homeowners stay in their homes and avoid foreclosure. 
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Refinancing OPPORTUNITIES

Other Loan Modification and Refinancing Opportunities:

Making Home Affordable

The Home Affordable refinance and modification program is designed to allow existing homeowners to keep their homes by making mortgage payments affordable. If you can no longer afford to make your monthly loan payments, you may qualify for a loan modification to make your monthly mortgage payment more affordable. Follow this link to determine whether your servicer is participating: http://makinghomeaffordable.gov/

 

Rural Development Home Loans

If you have a RDHA loan, follow this link for more information.  http://rdhomeloans.usda.gov/fcls.html

 This program offers options that may include:

*       Arrangements to pay the amount past due over a period of time

*      Payment subsidy

*      Moratorium (payment deferment) 

 

Veteran Affairs Loan Program

Foreclosure SCAMS

Don't fall victim to foreclosure scams:
Some of the fastest growing frauds are foreclosure rescue scams. In these scams, thieves try to take advantage of homeowners facing foreclosure. Posting as a variety of characters such as "mortgage consultants", "foreclosure rescuers", or as a "foreclosure service", these scam artists target homeowners with offers to "save" the defaulted homeowner's home. The scam artist gets the homeowner's money, but fails to provided any real assistance.  
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Do's & DON'TS

Do's
- Understand who services your loan and who owns your loan
- Call your loan services/lender
- Call a housing counselor
- Organize your finances - do a budget to determine what mortgage payment you can afford
- Create a file to record all calls and correspondence with mortgage services, agencies, and counselors. Follow up calls with letters with return receipt requested
- Educate yourself by attending state-sponsored classes, workshops, and open houses

Don'ts
- Don't panic!
- Don't be rushed into a deal with a foreclosure "rescuer" with promises to stop a foreclosure
- Don't pay a foreclosure "rescuer" in full until all services are performed as promised

Other ORGANIZATIONS

 

Last Updated: Friday, 11-May-2012 15:01:14 EDT
 
 Press RELEASES
Attorney General's Office Joins Nationwide Settlement Over Hollywood Video Debt Collection
5/23/2011
Attorney General's Office Sponsors Community Shredding Events This Spring
4/29/2011
Attorney General's office announces March 22-23 statewide housing workshops
3/17/2011
Attorney General's Office Plays Leading Role in Historic Consumer Protection Action
3/10/2011

>> Read all Press Releases
  
 
 Related LINKS

Mortgage Late?
Law Enforcement Safety Act
Securities Industry Professional Information
Recently Changed list of Cigarette Brands and Brand Families
New FTC Rule regulates debt settlement companies
 
Important CONTACTS
 

Consumer Protection Hotline:
  800-220-5424 (Toll-Free)
  302-577-8600

Consumer Protection Fax:
  302-577-6499

Consumer Protection Email:
consumer.protection@state.de.us

Consumer Protection Wilmington:
  820 N. French Street 5th floor
  Wilmington, DE 19801

Consumer Protection Dover:
  102 W. Water St.
  Dover, DE 19904

Consumer Protection Georgetown:
  114 E. Market St.
  Georgetown, DE 19947