Foreclosure fraud is becoming a common problem in the United States, according to experts and law enforcement officials. Homeowners can lose all the equity in their homes or their homes as part of these scams, which are sometimes called “foreclosure rescue scams.”

Here are some tips on how to avoid these scams:

• Try contacting the mortgage lender to work out a payment plan if you are having trouble meeting your mortgage.

• Don’t sign any documents before reviewing them carefully.

• Be aware that signing any kind of deed, such as a warranty deed or quit claim deed, means you are selling your home.

• Contact a private lawyer or housing counselor approved by the U.S. Department of Housing and Urban Development to help review any documents before signing. Information about foreclosure and approved housing counselors is available online at www.hud.gov/foreclosure or by phone at (800) 569-4287.

• Be suspicious of anyone who contacts you first or offers “bargain loans” or “easy credit.”