Generally, it is best to speak to your mortgage company first. If you have
questions or concerns, you can access free housing counseling services from
Companies that charge a fee for help with loan modifications or short sales
in Oregon must be registered as a debt management service provider, licensed
as a mortgage lender or loan originator, or be a licensed Oregon attorney.
If you decide to hire someone, be sure they are licensed in Oregon and are
only charging you the fees
permitted by law.
Be wary of anyone who makes promises or guarantees success. Do not pay anyone
up front, and do not send your loan payments to anyone but your loan servicer.
Review these tips to avoid