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Hi, edrey. Of course, there's no way to know about the particular group that's approached you, but the FTC has issued an alert, Mass Joinder Lawsuits: A New Twist on Foreclosure Rescue Scams, warning consumers about a new wrinkle in the many foreclosure rescue scams targeting homeowners struggling to pay their bills. You can find the alert here: http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt082.shtm

Our best advice is to thoroughly investigate any company that claims to offer a way out of debt -- for a fee. One preliminary step is to put the company name and the word "complaint" in a search engine and check out the results. Another resources is the FTC's Money Matters site, www.ftc.gov/moneymatters. It offers tips for people trying to make ends meet and a heads-up about spotting fraud.