Water Supplies and Wastewater Disposal ................................................................................. 47 Hazardous Materials/Solid Waste ............................................................................................. 48 Frequently Asked Questions...................................................................................................... 49


VIII. MORTGAGE ANDREFINANCING PROGRAMS AND FORECLOSURE PREVENTION................................................................................................. 53 Mortgage and Refinancing Programs for Disaster Victims....................................................... 53 Foreclosure Prevention.............................................................................................................. 54 Foreclosure Moratorium........................................................................................................ 54 Forbearance ........................................................................................................................... 54 Insurance Proceeds ................................................................................................................ 55 Other Options ........................................................................................................................ 55


IX. CONSUMER PROTECTION ISSUES.......................................................... 57 Verifying the Legitimacy and Trustworthiness of Service Providers ....................................... 57 Caretaker/Befriender/Relative Scams.................................................................................... 57


Scams by Home Repair Service Providers................................................................................ 58 Verifying the Legitimacy and Trustworthiness of a Home Repair Service Provider............ 58 Price Gouging........................................................................................................................ 60 Financing Scams.................................................................................................................... 60 Foreclosure Consultant / Equity Purchaser Scams .................................................................... 61


X. FINANCIAL ANDBANKINGMATTERS ..................................................... 62 Debtor/Creditor ......................................................................................................................... 62 Documenting Communication between Debtor and Creditors.............................................. 62 Notifying the Collector of Debtor’s Inability to Pay............................................................. 62 Filing Bankruptcy.................................................................................................................. 63 Credit Reporting.................................................................................................................... 63 Home Solicitation Contracts.................................................................................................. 64 Frequently Asked Questions...................................................................................................... 64


XI. ISSUES FORRENTERS:LANDLORD/TENANT ANDHOUSINGOPTIONS FOR THEHOMELESS ..................................................................................... 69


Possible Claims Against a Landlord.......................................................................................... 69 Negligence............................................................................................................................. 69 Illegal Eviction ...................................................................................................................... 69


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