I got an overpayment notification from NFM Corp. Consumer Advocacy

[Quixote1818]

Services. They said my monthly overpayment is $92.36

Is this a scam or does this orginization have good intentions? Anyone know about this?

[1monster]

1. Do you work for them? Are they affiliated with your employers? How

would they have this information otherwise?

Or are they a mortgage company trying to pique your interest in order to get your mortgage business?

[Quixote1818]

2. I don't work for them. They are not affiliated with my employer

The letter says:

On inspection of your file, our database records indicate that according to current market conditions, you have bee making significant overpayments on you mortgage.

Monthly Overpayment: $92.36

It's not possible for us to help you recover your overpayment, but thanks to a government program designed to protect FHA homeownder, you may be entitled to dkip your next mortgage payment and reduce the amount you pay for the rest of its term.

Before the consumer advocates assigned to your case can act, you must call us with this file locator:

Your file locator:
Inquiry Closure Deadline:

When you call, we will begin by verifying the following information:

Call [phone]

Mortgage lenders often expect that homeowners won't take action and will continue to overpay for their homes. We look forward to taking action on your behalf.

Sincerely, Gina Platt
Director of Consumer Advocacy
Government Load Division

[LastKnight]

3. i would say contact the bank you have the mortgage with...

and ask them if theyve ever heard of these guys.

have you tried googling em?

[1monster]

4. Looks like a scam to me. Mortgage companies are trying all kinds

of tricks to get people to switch to their mortgage company... and not all of them are on the up and up.

Get some one who knows about mortgage rates to look over your mortgage and see if you are in fact overpaying on the interest. If so, then that amoount should be applied to your principal... Talk to your mortgage company if this is happening. If they refuse to take the amount off the principal, then see a lawyer.

I doubt that this is happening, though.

[Quixote1818]

5. Thanks