 TITLE: Can You Get Mortgage Forbearance More Than Once? CONTENT: How to Get Help\n---------------\nIf you're worried about how you'll be able to resume payments following mortgage forbearance, or if you're otherwise concerned about the possibility of losing your home to foreclosure, the following federal resources may offer help:\n*   The U.S. Department of Housing and Urban Development (HUD) has a team of housing counselors who can offer guidance and help you understand the options in your state to help you stay in your home.\n*   The CFPB provides a directory you can use to locate an attorney in your state who can help you navigate the legal processes around foreclosure.\n*   If you feel your mortgage lender or servicer has mismanaged your forbearance or foreclosure proceedings, you can submit a complaint to the CFPB and the bureau will follow up with an investigation.\n### Watch Out for Scams\nCriminals are always ready to take advantage of people who are financially vulnerable, so be careful about offers from \"experts\" who claim they can make your mortgage difficulties go away:\n*   Verify the identity of anyone who calls, emails or texts you claiming to represent your mortgage lender or mortgage servicer. Insist on calling them directly, and do so using a publicly available phone number or email address taken from your mortgage paperwork.\n*   Monitor your credit reports closely to make sure your mortgage payments are being reported accurately, and to help you detect any unauthorized credit activity by criminals who manage to obtain your personal information.\nFederal mortgage forbearance and foreclosure protections must eventually come to an end. With careful preparation, you can help put them, and the COVID-19 pandemic, behind you. END