Hotline helps homeowners facing foreclosure find free help.
A year after the foreclosure fraud scandal taught us terms like "robo-signing", foreclosures are on the upswing again.
Nearly four million Americans are said to be more than 60 days behind on their mortgage, with countless others one paycheck away from missing a payment.
That's why Housing Secretary Shaun Donovan has launched a homeowners' hotline for those facing foreclosure.
He's urging those facing foreclosure to call 888-995-HOPE and talk to a HUD approved housing expert.
Another place for free advice on foreclosures is your local law school, where students need the experience to get a degree.
Phyliss Craig-Taylor is academic dean at the Charlotte School of Law.
Students there helped hundreds share in a $50-million settlement from a homebuilder who had scammed them into buying more home than they could afford.
"Our students helped them in getting restitution for some of the money they had lost in those deals and damages for losing their homes in addition," she says.