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In New York State, Housing Counselors, who are approved by the U.S. Department of Housing and Urban Development or the New York State Department of Financial Services, may provide the same or similar services as a distressed property consultant for free. A list of approved Housing Counselors can be found on the New York State Department of Financial Services website at dfs.ny.gov or by contacting the New York State Department of Financial Services toll-free at 1-800-342-3736. You should consider consulting an attorney or a government-approved housing counselor before signing any legal document concerning a distressed property consultant.