robin mckinney is here to explain. she is the director of the maryland cash campaign. and we have a warning about foreclosure scams. thank you for being here. all right. so we will start with you, ron. the scam artists are out there like they have been waiting for this and there are more than one type of scam. tell us what foreclosure scams are lurking out there right now. >> there are an abundance of scams out there these days and we caution people to really assess the personal information. and when they receive the phone calls or knock on the door from people who they didn't ask these people for their help, in general be very cautious. and we are telling people one scam is where people are seeking foreclosure hope and they are asked to pay up front for the service. we caution people they should not have to pay up front for that service and they should be seeking help from a nonprofit counseling agency by contacting depatment of housing and urban development. they can make a referral to any specific location where that person lives. >> exactly. most state agencies, ev