How to verify foreclosure help before you trust it.
When a trustee sale date is close, it is easy to feel rushed. This page is here to help Maricopa County homeowners slow down, spot pressure tactics, verify who they are dealing with, and avoid signing something they do not understand.
We want you to verify us, too.
Home Retention Partners is a service name used by L&L Investment Group LLC. We provide a free initial review, practical property-option guidance, and homeowner education for Maricopa County preforeclosure situations.
We do not ask for upfront fees to stop foreclosure, we do not ask you to redirect mortgage payments to us, and we do not ask you to sign over your deed to “save” your home. If a sale or purchase option ever becomes part of the conversation, compare it carefully with other options and get independent advice before signing.
10 red flags to slow down for
If someone uses one or more of these tactics, do not panic — pause, document what they said, and verify before you continue.
- Upfront fees for mortgage relief. Be careful with anyone asking you to pay before they provide promised foreclosure or mortgage-relief help.
- Promises that sound guaranteed. No private helper can guarantee a sale will be stopped, postponed, canceled, or reversed.
- Pressure to sign immediately. Real decisions should survive a careful review and a second opinion.
- Requests to sign over your deed. Do not transfer title unless you fully understand the document, the price, and the consequences.
- Directions to stop contacting your servicer. You should usually keep direct records with your lender, servicer, trustee, attorney, or housing counselor.
- Requests to redirect mortgage payments. Do not send mortgage, reinstatement, or escrow money to an unverified third party.
- Vague “rescue” language. Ask what exact option they are proposing, who must approve it, and what documents prove it.
- No written terms. If the agreement is real, you should be able to take it, read it, and ask questions.
- Discouraging outside advice. A legitimate helper should not object to an attorney, title company, housing counselor, or trusted advisor reviewing the documents.
- Bank login, wire, or identity requests too early. Protect account access, Social Security numbers, and banking information until you know who you are dealing with and why it is needed.
Common pressure patterns
These examples are not the only scams. They are common patterns homeowners should recognize.
“Pay us first and we will negotiate with your lender”
Some mortgage-relief operators ask for hundreds or thousands of dollars before doing meaningful work. Be careful with any upfront-fee request tied to loan modification, forbearance, foreclosure postponement, or “saving” the home.
“Sign the deed and stay as a renter”
A deed transfer changes ownership. If someone says signing over title is temporary, harmless, or required to save the house, stop and get independent advice before you sign.
“We are connected to a special government program”
Official-looking mailers and calls can sound convincing. Verify whether the sender is a government agency, a nonprofit housing counselor, a private company, or a buyer before you provide documents or payment.
“We can recover your surplus funds”
If a property sells for more than the debt and allowed costs, excess proceeds may exist. Before signing a high-fee recovery agreement, verify the claim process and consider asking a qualified Arizona attorney or the appropriate public office what options are available.
How to verify a legitimate helper
Use these checks for HRP, another investor, an agent, a consultant, or anyone else offering help.
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Confirm the business identity
Ask for the legal business name, website, phone number, email address, and written explanation of what they do. For HRP, the service name is Home Retention Partners and the legal business name is L&L Investment Group LLC.
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Search public business records
Use the Arizona Corporation Commission or other official sources to check whether the company exists and whether the name matches what you were told.
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Check licenses when a licensed service is involved
If someone is acting as a real estate agent, broker, mortgage professional, attorney, or other licensed professional, verify the license with the appropriate agency.
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Ask what role they are playing
Are they an educator, buyer, investor, agent, attorney, housing counselor, title company, or loan professional? The answer matters because each role has different duties and limitations.
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Get the offer or advice in writing
Ask for written terms, deadlines, fees, who gets paid, whether a deed or contract is involved, and what happens if the plan does not work.
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Compare before signing
For sale options, compare a direct buyer offer with a market sale estimate, reinstatement amount, loan workout possibilities, and legal or housing-counseling resources where appropriate.
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Use independent review for legal documents
Before signing a deed, purchase agreement, power of attorney, trust document, leaseback, or settlement agreement, consider having a qualified Arizona attorney review it.
How HRP keeps the process transparent
Free initial review
We do not charge upfront fees to review your timeline, documents, property position, or possible paths.
No forced outcome
Keeping the home, restructuring, selling, getting legal help, or taking no further action are different paths. We do not push one answer for every homeowner.
Written clarity
We try to explain what we see in plain English: dates, documents, property position, practical options, and questions to ask next.
Independent advice welcome
You are encouraged to compare options and speak with an attorney, tax professional, housing counselor, agent, or trusted advisor when appropriate.
How to report suspicious activity
If you think you were targeted, pressured, misled, or harmed, you can report the situation to one or more of these organizations.
Pressure is the warning sign. Verification is the protection.
A legitimate path should be understandable in writing. You should know who you are dealing with, what role they play, what they get paid, what you are signing, and what happens if the plan does not work.
This page is for general educational purposes only. It is not legal, tax, bankruptcy, credit, or financial advice. If you have legal questions, court papers, bankruptcy concerns, deed/title issues, or a contract to review, speak with a qualified Arizona attorney.