Released on = December 9, 2006, 9:36 pm

Press Release Author = Michael Blackburn / Perfect Home Living INC

Industry = Real Estate

Press Release Summary = Six years ago foreclosure rescue scams where all the rage in
Utah and it seems the trend is popular once more.

Press Release Body = Salt Lake City, UT / Press Release / -- Six years ago
foreclosure rescue scams where all the rage in Utah and it seems according to the
article, \"Mortgage Distress Targeted,\" by Dave Anderton of The Deseret Morning News,
the trend is popular once more. This time rather than more sophisticated schemes of
old, it seems predators are more or less telling consumers how much equity they\'ll
need in their home if the deal is to work.
In the article Alan Brymer states that his company, Your Home Advocate, a Provo
based company buys homes in distress, offers to help by paying late payments and
putting homes up for sale. Once the home sells Brymer\'s company receives
compensation from the sale of the home.

According to Mr. Brymer, \"The majority of what we do is help local homeowners who
are behind in payments to work out a solution with their mortgage company, to
refinance their homes or sell or move if they want.\"

But the concept of assisting families in distress is not new and often time leads to
the so-called good Samaritan finding themselves in serious legal trouble.

Consider the nine count indictment returned on October 10, 2006 against Randall L.
Webb, 49 years of age, who in February 2004 began contacting homeowners in the
Dayton and Cincinnati areas, offering to help save their homes from foreclosures and
sheriff sales. Webb would met with home owners who responded to his ads and
promised that he would create new payment plans with the homeowner\'s mortgage
companies and make mortgage and arrearage payments on their home loans with money
they would provide him.

In August of this year Carolina Mortgage Relief, INC and Alan Steve Seabolt faced
complaints that the company would direct mail solicitations claiming, \"WE CAN HELP
YOU [...] WE ARE THE FORECLOSURE CONSULTANTS THAT REALLY CARE!\" Many of these
homeowners were having trouble keeping up with monthly mortgage payments due to a
lay off, illness or death in the family. When homeowners responded to the mailings,
Mortgage Assistance of the Carolina claimed it had special expertise and a high
success rate in saving consumer\'s homes from foreclosure. The company collected
upfront fees, typically one month\'s mortgage payment, promising to negotiate with
mortgage lenders on the homeowner\'s behalf. The companied also forbid homeowners to
talk to their mortgage company, urging them to let its so-called experts handle all
communications with the lenders. In reality the company did little or nothing to
help these consumers.

But here in Utah consider a company now defunct that wreaked havoc on financially
distraught consumers across numerous states. The company was Foreclosure Rescue
Services and its owner Karl Robert Hartley a native of Weber County, operated his
company from his personal residence of 6140 South Sharon Circle, Ogden Utah 84403.
Mr. Hartley according to an article entitled \"Foreclosure Rescue can be risky,
costly\" written by Joseph Barrios of the Arizona Daily Star outlined how Mr. Hartley
took quite a few clients in Arizona for a ride straight to bankruptcy court where he
also filed petitions on behalf of clients even though Mr. Hartley was not licensed
to practice law in the state of Arizona or anywhere else in the United States.
Shortly thereafter the Better Business Bureau issued a warning about the company\'s
solicitations to save consumers from possible foreclosure. In the following months
after the BBB\'s warning Mr. Hartley moved back to Utah and obtained his Utah real
estate license.

In a state that ranks second in the nation for mortgage fraud its is imperative that
consumers get educated about predators and the illegal patterns of behavior that is
demonstrated during the courtship for new victims. Consumers are vulnerable during
this time, because they must provide their Social Security Number, pay stubs, tax
returns, bank statements, all information that if used improperly could result in
identity theft.

Consider while Mr. Anderton\'s well respected articles on real estate are routinely
displayed in the pages of The Deseret Morning News, this particular article failed
to reveal some key findings. Mr. Anderton\'s article failed to point out that the
foreclosure rescue service company, Your Home Advocate is not registered with the
Utah Department of Commerce but is providing Utah\'s consumers with foreclosure
rescue services.

Even more interesting is the $30,000.00 payment that Mr. Brymer boasts he is to
receive for his services.

There is no mention in the article that the home owners Sarah and Daniel Spies of
3928 West 10340 North, Cedar Hills, Utah have the property listed [MLS# 636798] with
a licensed Utah REALTOR - Connor Southworth of Utah Select Realty LLC.

According to research compiled by Perfect Home Living, Daniel and Sarah Spies
purchased the home on May 6, 2005 for $276,000.00. The home had been previously
listed for $299,900.00 on July 7, 2003 and $294,900.00 on January 6, 2004. After
making their purchase the Spies listed the property for sale on September 29, 2006
for $379,000.00 before increasing the sale price to $420,000.00 an inflation of
$41,000.00 in price.

Even by Utah\'s over-inflated appreciation values, the Spies residence has
skyrocketed in one year to increase in alleged value of $144,000.00 or slightly
above 50% in 12 months while the rest of the state is appreciating at 22-26%.

\"Educating consumers to the red flags of Utah\'s real estate market has never been
more important than it is right now,\" says Sheri Fitzpatrick, Utah Real Estate
Broker and CEO of the non-profit Perfect Home Living INC. \"Daily predators prey on
consumers, stripping them of their identity, credit worthiness and forever removing
the possibility of the American Dream of Home Ownership. Families who fail to
remain in contact with their lender during delinquencies will find their files
expedited through the foreclosure process, \" Fitzpatrick continued.

\"We are truly at the mercy of law enforcement at both state and federal levels to
take action now rather than later. Utah\'s consumers are depending on it,\"
Fitzpatrick added.

About Perfect Home Living

Perfect Home Living assists in implementing programs and providing training to
financial lenders as well as educating Utah\'s consumers and licensed professionals
to red flags within Utah\'s real estate market. For more information or to request
assistance please visit us online at: http://www.PerfectHomeLiving.com


Web Site = http://www.perfecthomeliving.com

Contact Details = Perfect Home Living Inc.
1905 West 4700 South #353
Salt Lake City, UT 84118
Tel: 801.502.2508
Fax: 801.528.3321