"We can help you keep your home."

From the Herald News:

Rug pulled out from under them

They left her with a flier for Property Solutions of New Jersey. At the bottom, they wrote, "We can help you keep your home."

A year later, Alford faces homelessness. She and her family will be evicted from her home of more than 38 years on Tuesday, and Property Solutions will get the property. If experience is an indicator, the company will sell the house within months and make hundreds of thousands of dollars.

"They are taking the house from out underneath me," said Alford, 40, choking back tears.
...
But in the process, some homeowners like the Alfords lose ownership of their properties. Offering foreclosure rescue services is not illegal. But lawyers representing the thousands of homeowners who have entered the deals say some companies use fraud and deception to lure people into giving up their property.

"This is a way to steal homes from people," said Jeremiah Battle, a lawyer with Northeast New Jersey Legal Services in Jersey City. "They are set up for failure."
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Typically, foreclosure specialists offer to pay off an existing mortgage and sell the house back to the owner when they can afford it. The resident remains in the house and pays a monthly fee, believing that the company will help them find new financing.

But the new financing rarely materializes. And only later -- often when they receive an eviction notice -- do residents realize that they actually signed over their home's deed to the foreclosure specialists, as documented in cases cited by the Consumer Law Center report. The company can then flip the house for significant profit and evict the tenants.
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What the Alfords say they didn't realize was that on July 12, 2005, with a few pen strokes, they had lost ownership of their home.

Copies of the paperwork reveal that on that day the Alfords signed over their home's deed and title to Property Solutions in exchange for $96,000 to buy the property out of foreclosure.
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State records show that Property Solutions has sold at least six of its properties in the state. A property on Van Dyke Avenue in Haledon was purchased in February 2006 for $302,653. It was sold just three months later for $368,000, a more than $65,000 increase. A Passaic property was sold for an $86,000 gain. A Paterson house was sold for $51,000 more than its purchase price. All had been in foreclosure and all were redeemed with money paid by Property Solutions, according to Bill Maer, spokesman for the Passaic County Sheriff's Department, which handles foreclosure sales.