When faced with foreclosure, there are many companies that will try and offer their services to you. If they tell you that you can stay in the home, they should be either refinancing you, or helping you negotiate a repayment plan with your existing lender.
If a company doesn't provide either of those solutions, but tells you that you can "stay in your home", be extremely wary of such companies.
This article about a poor homeowner in New Jersey was victim to a company that did just that.
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