Indiana Attorney General Warns of Fake Mortgage Relief Scams

Indiana Attorney General Todd Rokita has issued a public warning to Hoosiers about a rising number of scams involving fake mortgage relief offers that demand illegal upfront fees. The alert comes as part of ongoing efforts by the Attorney General’s office to protect residents from financial fraud, particularly those struggling with housing costs.

According to Rokita, scammers are contacting homeowners with false promises of mortgage assistance, loan modifications, or foreclosure prevention — but only after requiring payment of fees before any service is rendered. These demands violate both state and federal law, which prohibit charging upfront fees for mortgage relief assistance.

The Attorney General emphasized that legitimate housing counselors and government-approved programs never inquire for payment in advance. Residents are urged to be skeptical of any unsolicited offer — whether by phone, email, or social media — that promises quick mortgage relief in exchange for money upfront.

Individuals who believe they have been targeted by such a scam are encouraged to file a complaint with the Indiana Attorney General’s Consumer Protection Division. The office provides resources and assistance to help victims report fraud and potentially recover losses.

Rokita also reminded the public that free, legitimate help is available through U.S. Department of Housing and Urban Development (HUD)-approved housing counseling agencies. These services can assist with mortgage issues without charging illegal fees.

The warning underscores the Attorney General’s broader commitment to combating consumer fraud and safeguarding Hoosiers from deceptive practices that exploit financial vulnerability.