I recently wrote an article about a Skyway man that became the victim of two separate mortgage scams. He was assured that out of town law firms would help negotiate his mortgage debt if he paid them monthly. The article details key things you should be aware of when seeking help in refinancing your mortgage. As a general rule, you should never respond to unsolicited ads that you may receive via email or U.S. Mail. Instead, you should determine whether there are pro bono services that may assist you. In the alternative, you should always seek out an experienced attorney in your area about ways to avoid foreclosure.