COLUMBIA, S.C. (WOLO) — The downturn in the economy has created homeowner headaches. Foreclosures are quickly becoming the norm. The good news is there are companies out there that aim to help save you from losing your home, but the question is, which ones are legitimate? The American Dream can quickly turn into the American Nightmare when as a homeowner, you’re having problems making that mortgage payment. There are companies out there that promise to help, but be careful they aren’t making matters worse. Carri Lybarker with the South Carolina Department of Consumer Affairs says,”Certainly check with us before you hire a credit counselor. If they are asking you for up front fees, if they are promising or guaranteeing that they are going to save your home from foreclosure, these are two big red flags.” To check out the complete story on Foreclosure Scams, click on the video player.