1. Contact your lender as soon as you become delinquent.
2. Seek the advice of a competent real-estate professional or attorney, recommended by someone you know and trust.
3. Do not transfer the title to your home to a third party.
4. Contact government agencies that can help you. They can be found at www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm
5. Report any person or company who guarantees they will solve your problem. You can report real-estate fraud to the Utah Division of Real Estate at 801-530-6747 or by filing a complaint form: www.realestate.utah.gov/complaint_form.pdf.
Source: Utah Division of Real Estate
